A few months from now the rainy season will be upon North Texas. What does that mean? Well, if you remember the recent flooding that took place in the fall, you are very well aware of what it could mean. It means torrential downpours and squalls of storms. The rivers, ponds, and lakes in the North Texas area can swell quickly and contribute to flooding. Does your home policy protect you in the case of flood damage? Now is the time to check and make sure that you are ready for anything.
Water, Water, Everywhere, but not a Drop to Drink
Just because you don’t live near an ocean or a major river does not mean you are safe from floods. This past fall has taught many people that. And even if it is not nature that causes the onslaught of water, something as simple as a blocked sewer line, clogged or blocked storm drains, or a broken water main can. Water makes a mess and can do serious damage. Don’t be caught unaware, make sure your home policy covers water damage.
High Risk/Low Risk
For those that live in high-risk flood areas–areas that are prone to flooding–a standard flood insurance policy is in order. However, those who live in low-risk areas, areas that are less likely to experience flooding, may be able to purchase a policy that costs less, called a preferred-risk policy.
Make Sure you are Covered
Regardless of where you live floods can happen due to:
- Heavy Rains
- Tropical Storms
- New Developments and construction
- Flash Floods: When low-lying areas rapidly flood in less than six hours due to heavy rainfall, flash floods can kill and destroy anything in their way. They are the #1 weather-related killer in the U.S.