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Do You Know Your Risk of Flooding?

As we have recently witnessed, Hurricane Irene flooded many properties – not only on the coast but inland. Because of this disaster, many homeowners want to know if their homes are at risk for flooding in future storms. Residents of flood-prone properties are typically notified when they purchase the house that they live in a flood zone and are required to get flood insurance; however, there were other properties flooded during Hurricane Irene that were not expected to be.

Knowing Your Risk of Flooding

According to FEMA’s National Flood Insurance Program (NFIP), 90 percent of all natural disasters in the U.S. involve flooding. Because of such astonishing figures, it is a good idea to determine your risk of flooding so you know if you should have flood insurance coverage.

Remember, flood damage is not covered by standard homeowner’s insurance policies, but needs to be purchased from private insurance companies or the NFIP. However, some types of water damage are covered under standard homeowner’s policies that include wind-driven rain, burst pipes, and sometimes drain and sewer backups.

To determine if your home could be flooded, look to see if you live in an area that has had flood-related erosion. This is typically caused by heavy rains, prolonged rains, snowmelt, levee or dam failure, or blocked storm drainage systems. Additionally, it is a good idea to talk with your insurance agent to find out about flood insurance.

Do not wait until the next storm is approaching to get flood insurance. In order to be covered for the next tropical storm or hurricane that could result in a flood, remember that there is a 30-day waiting period before your flood insurance goes into effect.

You can talk with a knowledgeable Texas insurance claim attorney at the Voss Law Firm at 888-614-7730 to review your insurance policy or to talk about your insurance damage claim in a free, no-obligation consultation.
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The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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