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Flood Insurance

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Flood Insurance in El Paso, Anthony, Socorro and San Antonio

There’s something you should know: Flood losses are not covered by your homeowner’s insurance policy.

Floodwaters have the power to damage not only your home and sense of security but also your financial future. How can you protect your most important investment in case of flooding in El Paso or San Antonio?

Flood Insurance

Option 1:
Hope that you’ll receive Federal disaster relief if a flood hits.

Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to a flood. The truth is that Federal disaster assistance is only available if the president formally declares a disaster. Even if you do get disaster assistance, it’s often a loan you have to repay with interest. This is in addition to your mortgage loan that you still owe on the damaged property. Your home and financial stability are not something you should risk with unfounded assumptions.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn’t offered, you’ll have to shoulder the massive damage costs alone. The bottom line is that if you’re looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Option 2:
Buy flood insurance and stay protected no matter what.

When disaster strikes, insurance companies pay policyholder claims even if the government does not declare a disaster. Flood insurance will reimburse you for all your covered losses. And unlike federal aid, you don’t have to pay any of it back. Buying flood insurance means having the peace of mind that you and your family’s future will be taken care of.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it’s already too late. The company will not cover you if you buy a policy a few days before a flood. This is why it is important to plan ahead. If you have bought a home or are renting in an area prone to flooding or even a location close to storm drainage, purchasing flood insurance might be a good idea.

Talking to an insurance agent will help you make a wise, educated decision. Contact us today to set up an appointment. An agent at any of our El Paso or San Antonio locations can also give you a good idea of national and local rates for flood insurance.