If you watch the news at all, you have seen countless examples of how devastating floods can be. They happen all over the country, and places that have never flooded before have been devastated by floods. The cost is phenomenal. One inch of water in your home can cause $25,000 in damage. Home insurance doesn’t cover floods. If you don’t have flood insurance, you are out of luck. At Integrity Advisors Agency, LLC in San Antonio, TX, we have 30 plus years of experience providing our clients with the best products and putting their needs first.
Flood insurance is managed by FEMA (Federal Emergency Management Agency) but is delivered by a network of approximately 90 carriers or directly from the NFIP (National Flood Insurance Program). The NFIP provides flood insurance not only to homeowners but also to businesses and renters. Everyone can suffer from the devastation of a flood. To purchase flood insurance, you need to live in a municipality that participates in the program. If you are not in one of these places, you may still be able to purchase flood insurance from your insurance agent through private insurance.
Flood insurance is sold to homeowners in two parts, property and contents. Property can be sold up to $250,000 and contents up to $100,000. Property insurance covers the building structure. This includes roof, flooring, major systems such as heating and cooling, plumbing, and electricity. Anything that is permanently attached to your home, such as kitchen cabinets, built-in appliances, and bookcases. It also covers basements and crawl spaces and cleanup from the flood. Content covers the washer and dryer, furniture and electronics, kitchen contents, articles of clothing, and other personal possessions.
Contact Integrity Advisors Agency, LLC in San Antonio, TX to discuss the value of flood insurance and how to obtain it.
