 Most people already understand that standard home insurance plans do not cover flood damage. When it comes to overflowing rivers, torrential rains, and tropical storms, you will need a standalone flood insurance for them. Tropical storms bring massive floods and cause a lot of destruction as we’ve seen firsthand. This was the case when tropical storm Harvey brought major damages in Texas which prompted people to buy flood insurance policies—but does it work instantly?
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 Injuries at home are a costly affair. Studies have shown that approximately one-tenth of homeowners have filed a claim for bodily injury at some time during their residency. Even if you think that you have the coziest and safest house in the neighborhood, accidents are still unavoidable.
 Living in an area with severe weather changes may leave a gap on your homeowner’s insurance. If you chose to stay in these parts of Texas, hurricanes and tornadoes may not be the only problem. Windstorms and hail damages can also affect your house more than you think. If you do not have right coverage, you may end up paying for the everything.
 How can mold affect your insurance coverage? Many homeowners are dealing with this persistent moisture, which is normally unnoticeable and overlooked. This can result in a prevalent mold increase. Well, the stories are real about the costly mold remedies, toxic mold cases as well as denied claims.
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