Flood Insurance

Unexpected flooding is becoming more common due to weather changes and rapid development that changes the land's topography. These flood events can cause significant damage to your carpeting and furniture, and construction materials. Flood insurance helps to defray the cost of damage from flooding. At Rapid Rates Insurance, we can answer your questions about flood insurance for Texas homes and can help you get the coverage you need.

Do I Need Flood Insurance?

Depending on where your home is located, your mortgage holder may require you to have flood insurance to protect their financial interest in your property. If the house is in a coastal area, you are at greater risk for flooding. However, some inland areas, near rivers or streams, or near the elevated ground may be subject to flooding at certain times of the year. If the area in which your home is located has seen a great deal of new development, the landscape features may have been changed sufficiently to cause flooding during periods of heavy rain. Flood insurance is a good idea for anyone who may be at risk for seasonal or unexpected flooding events.

Flood Insurance Covers Many Items

The building coverage in a flood policy includes plumbing and electrical systems, installed cabinets, bookcases, paneling, staircases, foundation walls, and tanks on your property. It also covers carpeting, refrigerators, and built-in appliances. Foundation walls and garages are also covered. The home's contents covered under your policy include furniture, clothing, curtains and electronic equipment. Window air conditioners and microwaves are also covered. Some expensive items such as furs and artwork are covered to a certain level.

Make Rapid Rates Insurance Your Choice for Flood Insurance

If you have not purchased flood insurance before, you may have many questions about levels of coverage and what is included. We can help with detailed answers to help you understand how flood insurance protects you against severe loss. Contact our office in Texas.