​There are many ways water can enter your home. From above, rain, snow, and hail can enter and damage your roofing. From below, massive floods can severely rearrange or even dislodge your home. We use water every day in our lives; it has the power for us to do many things. However, it can also be a source of danger. Water damage can come in an instant, or creep up in your home over a period. This is why it is important always to inspect and check your home for signs. Here' a look through each major component of your home.

One of the most valuable investments you might have is your house. It not only provides shelter for you and your love ones, but it also contains your prized possessions. How much security have you acquired to protect your precious valuables and properties? Have you thought about the amount of loss a natural disaster can impact your home? Are you aware that most home insurance does not cover costs for flood damages? 

Flood is one of the most common disaster in our nation and it leaves hundreds of homeowners’ lives disrupted and ruined. It happens so quickly, and sometimes without any warning. You can only do so little to prepare and protect your family and home from it. 
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If it ever happens to you. You need might need a great deal of help in fixing damages or rebuilding your home. 
Here are three facts to educate yourself about the importance of flood insurance.

​Flood is caused by too much water from any rain or hurricane. They are unpredictable and devastating at the same time. Moreover, the weather advisory cannot fully predict how much damage the flood can make.
 
Floods can cause death, injuries, loss of property, and total area devastation. It can lead to calamities and evacuation just to make sure everyone will be secured and protected.

Some parts of the United States experience floods more often than other areas in the country. If there is heavy rain, what can likely happen soon after is flooding. If you reside in a location that does not see flooding, do not let your guard down yet. You may experience flooding in the future.

If you are a resident in the Gulf Coast area, you should already know about flood insurance and its benefits. You also know that filing a flood insurance claim needs a lot of planning and knowledge. The first thing you have to do is to know everything about what your policy covers. A general flood insurance policy would cover water rising from an outside source as well as water driven by the wind and storm surges.

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.

Is your insurance policy protecting you from disasters? Everyone's answer to this should be yes. Being prepared is what insurance is all about. The most frequent natural disasters we face here in South Texas are tornadoes, flooding, and hurricanes.

​Here in Texas a lot of people we talk to rely on wishful thinking when it comes to our odds of getting a hurricane this year. That’s not how we think there at the Brad Spurgeon Insurance Agency. We want our clients to be protected no matter what this hurricane season because you can’t rely on crossing your fingers when your entire financial future is at stake. Here are some mistakes that buyers often make when it comes to insurance than can be big mistakes if we have a major hurricane this season.

​Of course your home is important because it protects your family. It’s where you raise your children and spend most of your time. It is also your most valuable investment and you’ve probably already protected it with a homeowners insurance policy.

You should be aware though, that the best home insurance cannot pay for all types of hurricane damage. It is important to understand what is under coverage on your homeowner's policy. It is the key to finding the right hurricane insurance.

​Flood damage occurs in ninety percent of all the natural disasters in the United States. Whenever people purchase homeowner’s insurance, they should consider also getting flood insurance. Whether you live near or far from the coastline, the location of your property may still have a moderate to high risk for floods.