How to Prepare for Floods and Minimize Losses in Texas

Floods wreak havoc on your business or home, leaving you devastated, yet it’s a common natural hazard in Texas. As a homeowner, you should prepare for this calamity as it triggers landslides, infrastructure damage, and power outages. How do you minimize flood losses in Texas? This quick guide offers insights. 

Consider Flood Insurance 

The Federal Emergency Management Agency (FEMA) regulates the National Flood Insurance (NFIP). FEMA works with over 50 insurance agencies to deliver flood insurance to the public. Partnering with a reputable company as Insurance Solutions of Texas ensures you reduce losses when floods strike. 

Examine and Seal Cracks and Openings in Your Foundation

During your annual home maintenance, cover openings in your home. These include windows, doors, exhaust, and utility penetrations. Check your foundations regularly and seal cracks with mortar caulk or masonry. 

Enhance Your Home’s Drainage and Grading

When it rains, monitor the water that collects around your home. Focus on the foundation area. If you discover drainage issues, enhance the grading. A suitable option is to install a drainage system in the impacted spots to ensure this doesn’t occur during heavy storms. 

Remove Debris from Ditches and Drains

Eliminate mulch, pilling leaves, and other debris from your yard. Left here, they could get into the drains, blocking the paths. If many trees surround your home, ensure you rake the yard and remove the leaves. 

Inspect and Clean Gutters and Downspouts

Your gutters should be clear and devoid of visible blockage. Inspect your gutters and downspouts annually if your home has many trees around. A leaf blower helps with gutter cleaning. A professional landscape professional that works around Sugar Land, TX may assist with gutter and downspout cleaning. 

Work with a Reliable Insurance Agency 

While floods cause excess damage and losses, this shouldn’t be the case. Prepare for such disasters by getting insurance coverage from Insurance Solutions of Texas. Contact us in Sugar Land, TX for more information or inquiries.

Benefits of having flood insurance in the Sugar Land area

Insurance Solutions of Texas is here for the Sugar Land, TX community. If you have any questions about insurance for your home or business, we are here to help! If you would like to learn more about having flood insurance in our area, call us today!

Benefits of flood insurance in our area

It can be tough to know what your needs are when it comes to flood insurance. In some instances, the decision may be made for you, such as when a lender requires a mortgagee to carry a flood insurance policy. In other cases, the need for this type of insurance policy is not always clear.

Residents in the greater Sugar Land area can benefit from flood insurance in several different ways. If your home or business is located on a flood plain, you likely already have this type of protection. But, even if you aren’t in such an area, you can still benefit from flood insurance.

Water damage coverage and protection can vary from policy to policy, so it is important to know your coverage. If your homeowner policy does not provide protection from damage caused by floodwaters, it may be worth looking into obtaining this type of policy. 

Of course, every situation is different, and it only makes sense to sit down with a local agent to review your options and decide what is right for you. 

We are here for you!

If you are a resident or business owner in the greater Sugar Land, TX area, Insurance Solutions of Texas is here for you. We can answer any questions you may have about flood insurance or any other types of insurance. Give us a call or stop by today!

Why flood insurance is so important

Residents in the greater Sugar Land, TX can count on the team at Insurance Solutions of Texas to answer their questions related to flood insurance. There are a lot of questions surrounding flood insurance and who needs what coverage in the areas around our town. If you have concerns about your current flood protection, give us a call today.

The importance of flood insurance

 What some homeowners in our area do not realize is that coverage from water damage can often hinge on the type of water that causes the problem. For example, water from rain could be considered different from water from a hurricane or flooding. Plumbing issues are another way that water problems are viewed differently by many insurance companies.

For many people, flood insurance is a requirement from their mortgage lender. If you are not required to have flood insurance, you may want to consider it as a supplementary policy. There are many instances where a homeowner’s policy will not cover damage that is caused by floods. For this reason alone, it only makes sense to have a flood insurance policy in place.

Protecting your home is job number one when it comes to insurance. Make sure that you have the coverage in place to keep your home safe, no matter what Mother Nature sends your way.

Now is the time to find out more about flood insurance

Insurance Solutions of Texas is here to answer all of your questions related to home and flood insurance. If you are a homeowner in the greater Sugar Land, TX area and have questions, we are here to help! Call or stop by today and find out more!

Important Flood Safety Tips

Sugar Land, TX is no stranger to floods. Whether you’re new to the area or a long-time resident, Insurance Solutions of Texas wants to make sure you’re prepared the next time the waters run high. Check out our flood safety tips below!

Stay Up To Date

During a storm where flooding is likely, listen to the television or radio for current information. Know the area you’re in. Streams, canyons, and drainage canals can flood rapidly. These areas are especially prone to flash flooding, which can occur without warning.

Preparing Evacuation

Keep an emergency bag prepared with food, important documents such as identification and insurance papers, food, and a flashlight. If you have time, secure your home and move essential items to an upper floor if possible. You may be instructed to turn off utilities at a main switch or valve. If you can, disconnect electrical equipment but do not touch them if you are wet or standing in water.

During An Evacuation

When leaving your home, do not walk through water that is moving. Even just half a foot of moving water can cause you to fall. While driving, flooded areas should be avoided. If you encounter rising floodwaters, abandon the car and move safely to higher ground if possible.

After A Flood

Avoid contact with floodwater and do not swim through it due to the risk of dangerous debris and chemicals in the water. Avoid downed power lines. Do not return home or enter a disaster area until officials declare it is safe to do so. 

Sugar Land, TX is all too familiar with the devastating effects of flooding. Let Insurance Solutions of Texas take care of your flood insurance needs before it’s too late. Contact us today.

What Are Your Flood Insurance Options in Texas?

If your home is located in a floodplain zone, your mortgage lender will require you to have flood insurance. Even if your home is not located in a designated flood zone, it is still a good idea to have a policy in place since floods can happen anywhere. The flood insurance agents at Insurance Solutions of Texas in Sugar Land, TX, understand the importance of having a flood insurance policy in place to be on the safe side.

The state of Texas is prone to suffering floods, especially if your house is located in a coastal area or in a wide band area that is often referred to as Flash Flood Alley.  

Flood insurance Coverage

A flood insurance policy will cover any damages to your home, including the structure of your house and any outbuildings on the property, due to a flood up to the amount of $250,000. You will need to obtain a separate policy that will cover your personal belongings in the event of a flood, and that coverage can be any amount up to $100,000. Keep in mind, though, that there is a 30-day waiting period before your flood insurance coverage is active when it comes to most flood insurance policies. In other words, do not wait until a storm is on the horizon before you try to obtain a policy.

Call For An Appointment Today

To get your policy started right away, you will want to contact a flood insurance agent you can trust. The flood insurance agents at Insurance Solutions of Texas in Sugar Land, TX can assist you in obtaining your flood insurance policy today so call for an appointment.

What does flood insurance cover

Texas has seen some major flooding over the years, and there is no end in sight. With the weather getting warmer and hurricanes becoming more frequent, chances are floods will be a part of life for many areas. If you think you are covered for flooding with your home insurance, you will be in for quite a shock if you try to file a claim. Home insurance excludes floods. For information on flood insurance, you can count on Insurance Solutions of Texas in Sugar Land, TX. We have been helping clients find the right since 1993. 

FEMA provides flood insurance through the National Flood Insurance Program. You can purchase it directly from them or through one of the 60 or so approved agencies. To get flood insurance through NFIP, you must live in one of the 23,000 communities participating in their program. That is not to say that you couldn’t get some flood insurance but not through the NFIP. 

NFIP flood insurance is sold in two parts. One is building, and one is contents. You may purchase one or both parts. The building part maxes out at $250,000 and contents at $100,000. Not everything will be covered, but there is excellent coverage. 

The building policy covers the physical structure. It also covers the foundation. All major systems in the house are included, even electrical, plumbing, heating, and cooling. It will replace a furnace, water heater, and central air conditioning unit. It covers permanent floor covering and built-in bookcases. In the kitchen, the cabinets and the built in appliances are included. 

Contents cover the furnishings, decor, small appliances, portable air conditioning units, washer and dryer, clothing, electronics, and toys. 

To find out more about flood insurance, contact Insurance Solutions of Texas in Sugar Land, TX.

Three things that impact your flood insurance needs

Flooding can cause extensive damage to homes in Sugar Land, TX. That’s why it’s so important to invest in the right flood insurance coverage. We can help at the Insurance Solutions of Texas. Flood insurance is one of the numerous types of insurance coverage we offer.

The following are three things to consider that impact your flood insurance needs. 

The flood risk in your area

The first thing to do when evaluating your flood risk needs is to consult a FEMA flood map. FEMA maps out areas in the country according to whether they have a high, moderate, low, or undetermined flood risk. 

If you live in a high-risk area, flood coverage is essential. You can discuss the flood risk in your area as well as your flood insurance needs with your real estate agent at the time that you purchase your home. 

The value of your property

The more valuable your property is, the more flood insurance coverage you need. If you live in a high-value property, flood insurance costs could be high for you. However, they are necessary to protect your home from the extensive damage a flood can cause.

The requirements of your mortgage lender

Mortgages lenders often require flood insurance, just like they require home insurance. Whether your mortgage lender requires flood coverage or not will depend on the amount of flood risk in your area. Discuss flood insurance requirements with your mortgage lender when you borrow your home. 

Are you interested in learning more about flood insurance in Bellaire or Sugar Land, TX? Let us be your information source for all things flood insurance. Contact us by phone to learn more about how you can best meet your flood insurance needs. 

When Should You Purchase Flood Insurance in Sugar Land, TX?

Floods are natural disasters that cannot be contained while it is active by any means at all. When it comes to protecting yourself and your home, it is during a flood, it is always best to plan ahead of time than at the moment. This is why residents of Sugar Land, TX are urged to purchase flood insurance sooner than later as a flood can be unexpected and leave extreme damage behind. 

Insurance Solutions of Texas is based in Sugar Land, TX and serves other counties around the states with a variety of insurance options. Since 1993, Insurance Solutions has provided residents all around the state of Texas with insurance that protects them and their assets. We want to make sure that our clients are completely protected every step of the way. Flood insurance is crucial for homeowners to have and here are benefits to having it before it is too late. 

Property damage coverage includes a good portion of everything inside of the house. Your assets such as personal valuables, cars, jewelry, and more can be covered under flood insurance. Trying to replace all of these things without flood insurance after the disaster could be a very hard and stressful thing to do. Structural damage will cover the cost of repairs that are required to your home including cabinets, piping, flooring, walls, and piping. Without having flood insurance, paying to replace all of those things out of pocket would take a big financial hit. 

Would you like to speak to one of our agents and plan for your flood insurance? Please feel free to contact us via phone during normal business hours at (281) 565-2222. You can also reach an agent as well via e-mail with any questions and/or concerns by completing this short inquiry form here

3 Tips for Buying Flood Insurance in Texas

Are you worried about flooding? Do you live in Sugar Land, TX, or areas nearby? If so, the best thing you can do is protect yourself with an adequate flood insurance policy from Insurance Solutions of Texas. 

However, you may not think this is necessary – after all, you have never had flood damage before, so why now? Keep reading to find out why a flood insurance policy is such a good investment and how to get the right policy for your needs. 

Work with a Reputable Agent 

When it is time for you to purchase flood insurance for your Texas-based home or property, you need to find the right agent. Take some time to get to know the options and get recommendations from others to find a reputable agent in your area. You should also do your research so you can feel confident with the agent you ultimately choose. 

Compare Quotes 

In addition to finding a reputable agent, you need to compare several flood insurance quotes. Don’t just look at the bottom-line price. Instead, take some time to see what exactly is covered and what exactly is left out. You want to choose a policy that provides you the protection you need if flood damage were to occur. 

Bundle Your Policies 

If you have insurance for your home, cars, or something else, you should consider bundling your policies with the same provider. This is a great way to save money on your insurance costs. 

As you can see, getting flood insurance doesn’t have to be difficult, but it will require some time and a bit of effort. If you need help finding the right policy to protect your Sugar Land, TX home or commercial property, contact our team at Insurance Solutions of Texas.