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Your normal home insurance policy covers many emergencies but it will not cover damage damages due to flood waters. Since you know that you are at risk, we at Complete Restoration would like to introduce four steps to protect your San Antonio house and investment.
We all live in a flood zone. The question is, ‘what is our risk of flooding?’ Even someone that does not live near a body of water may be susceptible to heavy rainfall, water main breaks, or other sources of water less commonly thought of as sources of flooding. Flood insurance rate maps help explain the zone (high, moderate, low risk) in which your property falls.
Plus, knowing that the creek behind your house runs from west to east, watch those rain storms to the west of you!
Flood insurance must be purchased from a regular insurance agent through the National Flood Insurance Program (NFIP). Regular homeowner’s insurance does not cover damages caused by flooding. It is important to note that there are different types of flood insurance. For example, some policies cover only the structure while other policies also include content. Your insurance agent will be able to explain the differences.
If you would like to better understand the recommended flood risk designation of your property (high, moderate, low risk) assigned by the NFIP, access your flood maps on FEMA.gov. Be sure to note the map file date; many maps are outdated.
Here in South Texas and the Hill Country, flash floods are unpredictable. Be sure to run through your checklist when the local weather team sounds the alarm:
If you must prepare to evacuate, you should do the following:
Get to know Complete Restoration before an emergency; call them immediately after you are flooded. Actually, whether you planned ahead with insurance or not, flood damage exposes your home and family to dangers. The cleanup is messy and complicated; you need a team that is qualified and familiar with all insurance process. Call us to start clean up now.