Category: Flood Insurance

Floods are becoming more frequent around San Antonio, TX, and across the nation. Whether you live in Texas or any of the other markets we serve, Integrity Advisors Agency LLC wants to remind you that being located near water is not a prerequisite for needing flood insurance.

Here are five crucial facts that all homeowners should know about the risk of flooding and the necessity of flood insurance.

1. A "100-year flood zone" implies that, on average, a damaging flood will occur every 100 years. However, it’s a common misconception to believe that you are safe just because your flood zone experienced a 100-year flood recently. Each year carries an equal chance of flooding, even if a flood occurred just last year.
2. Everyone resides in a flood zone. Any home is susceptible to flooding. Regardless of whether your mortgage holder requires flood insurance or you reside outside a high-risk flood zone known as a Special Flood Hazard Area, flood insurance is necessary.
3. Your homeowner’s policy does not offer coverage for flood damage. Flood coverage must be procured through a separate policy provided by the National Flood Insurance Program (NFIP). This program also extends coverage to renters (although only a house’s owner can secure flood insurance for the actual structure). NFIP policies pay out even if your state does not declare an emergency.
4. Flood insurance isn’t instantaneous; it only kicks in 30 days after you initiate the policy.
5. Your community must participate in the National Flood Insurance Program for you to qualify for coverage.

For most homeowners, flood insurance caps at $250,000 for the building and $100,000 for contents.

If you have any questions about flood coverage in San Antonio, TX, or anywhere else in the state, feel free to contact us at Integrity Advisors Agency LLC today!

Floods are becoming more frequent around San Antonio, TX, and across the nation. Whether you live in Texas or any of the other markets we serve, Integrity Advisors Agency LLC wants to remind you that being located near water is not a prerequisite for needing flood insurance.

Here are five crucial facts that all homeowners should know about the risk of flooding and the necessity of flood insurance.

1. A "100-year flood zone" implies that, on average, a damaging flood will occur every 100 years. However, it’s a common misconception to believe that you are safe just because your flood zone experienced a 100-year flood recently. Each year carries an equal chance of flooding, even if a flood occurred just last year.
2. Everyone resides in a flood zone. Any home is susceptible to flooding. Regardless of whether your mortgage holder requires flood insurance or you reside outside a high-risk flood zone known as a Special Flood Hazard Area, flood insurance is necessary.
3. Your homeowner’s policy does not offer coverage for flood damage. Flood coverage must be procured through a separate policy provided by the National Flood Insurance Program (NFIP). This program also extends coverage to renters (although only a house’s owner can secure flood insurance for the actual structure). NFIP policies pay out even if your state does not declare an emergency.
4. Flood insurance isn’t instantaneous; it only kicks in 30 days after you initiate the policy.
5. Your community must participate in the National Flood Insurance Program for you to qualify for coverage.

For most homeowners, flood insurance caps at $250,000 for the building and $100,000 for contents.

If you have any questions about flood coverage in San Antonio, TX, or anywhere else in the state, feel free to contact us at Integrity Advisors Agency LLC today!

Anywhere it can rain, it can flood. Because of that, it’s a good idea for all homeowners to have flood insurance. If you’re in the San Antonio, TX area and looking for this kind of policy, get in touch with us at Integrity Advisors Agency LLC today. We can help you get the right coverage so you have more peace of mind.

Here are three of the biggest reasons to get flood coverage for your home:

1. Protection From Catastrophe

Having the right insurance coverage can’t stop your house from flooding, but it can definitely help you recover after the flood is over. Being able to repair your home and get back to normal life again is extremely valuable. You want to make sure you have a policy for that.

2. Security for the Long Term

When you have a good policy that covers flooding, you can have the long-term security you need and deserve. You may need to update or adjust your policy from time to time, but those simple changes will keep you and your home secure.

3. Reduced Worry Over Your Home

With good flood coverage, you’ll have less to worry about. Insurance isn’t only about protection. It’s also about reducing worries and fears over loss. When you don’t have to spend time worrying whether you have good coverage, you can focus on all kinds of great things in your life.

Consult With Us

Contact us today at Integrity Advisors Agency LLC if you’re in the San Antonio, TX area and in need of flood insurance. We know how important it is to have the right kind of coverage, and we want to help you protect what matters most. There’s no reason to leave your home at risk when you could safely and efficiently protect it with a little help from us.

At Integrity Advisors Agency LLC serving San Antonio, TX, we help our clients protect their homes from all kinds of disasters, including flooding. When your home is damaged by floods, it can leave you scrambling to scrape together the money it takes to cover repairs and related expenses. With flood insurance, you can have peace of mind that you’ll be able to afford to repair flood damage even if a flood strikes at the most unexpected time.

If your home has a garage, the answer to the question of whether flood insurance covers that part of your home can be confusing. Every policy is different. Still, we can give some general pointers for what flood insurance typically covers and what is usually left out of flood insurance coverage.

Does Flood Insurance Protect the Garage

If you have a garage, your flood insurance policy might provide coverage for that area depending on the specific terms of your policy. Because of this, you should always consult with your insurance agent and review the unique terms and limits of your insurance policy so that you don’t find yourself without coverage when you are counting on it to help you cover an emergency expense.

If you use your garage for business, farming, or residential purposes, some flood insurance policies may not cover it. Before you assume that your flood insurance policy covers your garage or another attached structure outside of your home, you will want to read over your insurance policy carefully and ask clarifying questions. Even if your flood insurance policy covers the garage, it will probably place limits on the amount of coverage you can put toward flood damage there. 

Contact Us Today

To learn more, call Integrity Advisors Agency LLC serving San Antonio, TX today!

San Antonio, TX sits in a region that is moderately prone to flooding. Whenever flooding takes place, all aspects of life get interrupted, including daily routines like going to work and doing household chores. The Integrity Advisors Agency LLC works with clients who suffer flood damage. Keep reading to learn about flooding, including how detrimental it can be to your finances and how you can stay calm and dry with flood coverage. 

Consequences of Flooding in San Antonio, TX

There are numerous potential consequences of flooding. Not only is there a potential for loss of life through severe flooding, but erosion and landslide risks exist as well. Furthermore, when flooding takes place, your home and any of its infrastructure are at risk. Without flood coverage, you may endure a total loss of your home and any belongings without any sort of compensation.

Think about losing your home and everything you own due to a flood. Do you have funds set aside to cover the loss? Do you have any monies you can use to build a new life? If not, flood insurance should be considered a necessity. 

Knowing How to Combat Flooding

Your best weapon against flooding comes in the form of flood insurance. Even if you have money set aside to rebuild your life after a flood, you can still qualify for flood coverage. You can use the policy’s benefits to help you start a new life, making it easy to keep your savings afloat. Flood insurance can help with various consequences of a flood, such as helping you pay for a rental house until the covered house is repaired and livable again or until a new home is built or purchased. 

Here at Integrity Advisors Agency LLC, we strive to help all our clients stay calm and dry with flood coverage. Whether you already have a policy in place or you need new flood coverage, contact us today to get a free quote. 

If you live in San Antonio, TX, you know that we’re no strangers to floods. But what does flood insurance actually cover? And is it worth the investment?

Here’s a quick breakdown of everything you need to know about flood insurance from Integrity Advisors Agency LLC.

What is covered by flood insurance?

In short, flood insurance covers damage caused by rising water levels. This can include water damage from storms, melting snow, faulty plumbing, or even overland flooding. However, it’s important to note that flood insurance does not cover damage caused by dripping or leaking pipes—that would be considered water damage and would be covered under your home insurance policy.

It’s also important to know that flood insurance covers both the building itself as well as your personal belongings. So if your home is flooded and your furniture is ruined, you can rest assured knowing that your flood insurance will reimburse you for the damages.

Is flood insurance worth the investment?

First, consider whether you live in a high-risk area for flooding. If you do, then purchasing flood insurance is a no-brainer. Second, take a look at your home insurance policy—many policies already include some level of coverage for flooding. However, this coverage is often limited, so it’s always best to err on the side of caution and purchase additional flood insurance if you live in a high-risk area.

Contact Integrity Advisors Agency LLC Today

Flooding is a very real threat here in San Antonio, TX, which is why many homeowners choose to purchase flood insurance. Flood insurance covers damage caused by rising water levels and can help reimburse you for the cost of repairing your home and replacing any damaged personal belongings. 

Whether you are required to purchase flood insurance by your mortgage lender is largely dependent on the property’s location. For instance, if you are purchasing a home in Texas near the water or in an area that has experienced flooding in the past, flood insurance is likely mandated. Keep in mind that even if you are not required to have flood insurance, having a policy may be worth the nominal cost because your homeowner’s insurance will not cover flood-inflicted damage. With flood damage causing significant disruption and expense, insurance helps dampen the blow and allows you to sleep easy at night. 

If you are purchasing commercial or residential property in the San Antonio area and are concerned about whether you need to have flood insurance, several resources are available. First, start by contacting the team at Integrity Advisors Agency LLC to have all your questions answered. Second, the Federal Emergency Management Agency (FEMA) resources via their website offer additional context on flood zones. It is important to remember that if you purchase in a high-risk flood area with federal disaster assistance, you must carry flood insurance to be eligible for future federal disaster assistance. 

With that said, every property, regardless of location, is vulnerable to flood damage, and the only protection offered is via flood insurance. By working with a reputable team like Integrity Advisors Agency LLC in San Antonio, TX, you’ll rest easy knowing that your home or business is always protected. We work tirelessly to ensure that each customer is satisfied and go above and beyond to deliver excellent customer service. Give us a call today or stop by our conveniently located office to learn more.

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.