Contact Us: ​(409) 945-4746
Brad Spurgeon Insurance Agency Inc.
  • Home
  • Quotes
    • Home Insurance Quote
    • Flood Insurance Quote
    • Windstorm Insurance Quote
    • Other Quotes >
      • Auto Insurance Quote
      • Business Insurance Quote
      • Life Insurance Quote
      • Condo Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Terms of Use
    • Privacy Policy
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Home Insurance
    • Flood Insurance
    • Windstorm Insurance
    • Other >
      • Auto Insurance
      • Business Insurance
      • Life Insurance
      • Condo Insurance
      • Landlords Insurance
      • Renters Insurance
      • Boat Insurance
      • Builders Risk
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Partners
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Newsletter Signup
    • Careers
    • Refer a Friend
    • Blog
    • News
    • Reviews
    • Videos
  • Contact
  • Home
  • Quotes
    • Home Insurance Quote
    • Flood Insurance Quote
    • Windstorm Insurance Quote
    • Other Quotes >
      • Auto Insurance Quote
      • Business Insurance Quote
      • Life Insurance Quote
      • Condo Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Terms of Use
    • Privacy Policy
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Home Insurance
    • Flood Insurance
    • Windstorm Insurance
    • Other >
      • Auto Insurance
      • Business Insurance
      • Life Insurance
      • Condo Insurance
      • Landlords Insurance
      • Renters Insurance
      • Boat Insurance
      • Builders Risk
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Partners
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Newsletter Signup
    • Careers
    • Refer a Friend
    • Blog
    • News
    • Reviews
    • Videos
  • Contact

Agency Blog

4 Important Things To Know About Flood Insurance

8/30/2017

4 Comments

 
Picture
Everywhere in the world has a chance of flooding and you don’t necessarily have to live in a flood zone to be at risk. You don’t have to experience extreme weather conditions for water to deal damage to your home. A night of heavy rain can already put you at risk of water damages that cost thousands of dollars in repair. In fact, most insurance claims have something to do with flooding in low-risk areas.
It's a good thing that you can get flood insurance coverage to protect you from sudden damages caused by flooding in your home. Here are the things you need to do after flooding occurs in your area.

·         Stay tuned on your local weather channel or radio station for rainfall or flooding with your area even after the storm or hurricane has passed.

·         Do not drink or use tap water to prepare food until you get word from the local government that it’s free from impurities.

·         Check for food spoilage on your refrigerator and throw them out if necessary.

·         If you’ve had to evacuate your home, do not return until the local official tells you that it’s safe.

·         Do not attempt to drive unless it’s proclaimed safe by your local government. Do not pass by bridges and avoid roads that are flooded.

·         Inspect home for damages and take pictures if needed for insurance claims.

Before filing a claim for water damages, you have to make sure that your insurance covers all of them. To give you an idea, here’s everything you need to know about flood insurance and its coverage.

Flood Insurance Coverage

There are two types of coverage for flood insurance; building property and personal property. Most insurance companies allow homeowners to choose a separate limit for building property coverage and personal property coverage. You need to ask your insurance agent about the amount of coverage that they offer.

Low-Cost Flood Insurance Policy

For those who live in low-risk and moderate-risk areas, you can choose from over 80 US insurance companies for a low-cost flood insurance policy accredited by the government. You can check online and ask for quotes to compare each policy and get the most affordable one with the best coverage limits.

Flood Insurance Rates

Depending on the type of coverage that you’re getting as well as the insurance company and coverage limits that you choose, your flood insurance rates may vary. As a homeowner, it’s smart to get both types of insurance coverage to ensure full protection in case of flooding.

Don’t Rely on the Government for Flooding Damages
​
In the US, before the federal disaster assistance covers your home damages, the President needs to declare your area under a state or major disaster. On the other hand, your flood insurance will cover damages to your home whether or not disaster was declared. Moreover, even if you get assistance from the government, you are only eligible for $4,000 per household.

At Brad Spurgeon, we aim to make our client's life easier with policies that are tailored to their needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.

​
4 Comments
Gary Puntman link
1/16/2019 08:28:52 am

It's good to know that there are two different types of flood insurance coverage. I'll have to ask my insurance agent about what each of the types includes, like you said. That will help me know which is the best fit for me. I'll also ask them for suggestions on which policies will protect me the most.

Reply
Brad Spurgeon link
1/18/2019 07:44:35 am

Hi Gary, Thank you for your comments.
Private flood works great ​for about 50% of dwellings,​when in Flood Zone V and A​. Most private​ market​ Insurance​ carriers, but not all include Replacement Cost coverage.
NFIP/FEMA does not offer replacement cost coverage for ​"​secondary homes​"​ occupancy no longer​ since 2012​, as well limit​s​ ​dwelling ​coverage to ​$​250k, private market offers up to $1 mill.
Unfortunately most Agents don't have access to private flood insurance market, especially if a Captive Agent and unable to access all markets available.
Let us know if we can help, Thanks Again, Brad Spurgeon
email: brad@bradspurgeonins.com.
PS: We are the #1 Flood Insurance agency in Texas, since 2013.​ With access to all private flood insurance markets currently available in Texas.​

Reply
Ellie Davis link
3/12/2019 07:46:37 pm

Thank you for pointing out that you are going to want to get coverage depending on your situation. My husband and I are moving to a new house and I'm worried about flooding. I'll have to do some research and find the best flood insurance possible.

Reply
David Johnson link
10/17/2019 09:00:02 am

Thanks for the tip not to drink tap water. There have been a few storms where I live lately. I'll definitely have to get flood and homeowners' insurance.

Reply



Leave a Reply.

    CONTACT US
     (409) 945-4746​ 
    1118 14th Street N
    Texas City, TX 77590
    Click Here to Email Us

    Archives

    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    November 2016

    Categories

    All
    Auto Insurance
    Boat Insurance
    Business Insurance
    Condo Insurance
    FAQs
    Financial
    Flood
    Flood Insurance
    Home
    Home Insurance
    Insurance
    Life Insurance
    Local
    Safety
    Umbrella Insurance
    Windstorm
    Windstorm Insurance

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Review Us

Social Media

Newsletter Signup

Share This

Texas City Office

Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746​
Click Here to Email Us

Galveston Office

Brad Spurgeon Insurance Agency Inc.
​335 Westerly Dr
Galveston, TX 77554

(409) 877-7755​
Click Here to Email Us
Website by InsuranceSplash