Storms will visit your town many times in your lifetime. Are you prepared for them? Do you think your home can withstand damaging hail and wind?
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.
Thousands of tornadoes and hailstorms hit our nation every year. It is inevitable that our homes will be tested by storms, especially here in the Gulf Coast. Hail that can reach the size of softballs, strong winds, and heavy rain, are just a few of the elements we may have to face. You must also consider debris and other dangers that these storms may bring
As you probably know, it rains everywhere in Texas. Every year, we experience severe storms, often leaving us with flash flooding. In flash floods lakes and rivers overflow and both houses and vehicles float. The normally dry streets become rivers.
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?
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.
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.
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.
1118 14th Street N
Texas City, TX 77590
Click Here to Email Us