Expecting the Worst: Why You Should Opt for Flood and Windstorm Insurance Now Before it’s Too Late
In Texas, we don’t often deal with hurricanes or weather so severe that it results in countless dollars’ worth of damages. However, every once in a while, we do indeed get hit by bad weather, and the only thing worse than having to deal with damages and mounting costs is doing so without any sort of insurance coverage.
Flood and windstorm insurance are two very important policies to own, especially in regions of Texas bordering the Gulf Coast. Imagine residing in a low-line area and having rainwater seeping into your home, ruining your floors and making the structure unlivable. Or, imagine losing a roof or having your windows smashed due to heavy winds. Are you willing to pay thousands upon thousands of dollars’ worth of repairs out of your own pocket?
In some instances, insurers may even deny coverage to certain areas that will be affected by severe weather in the days leading up to the event. Imagine knowing that your home will suffer damages but there’s no way to secure an insurance policy to cover it. In this piece, we’ll be going over the importance of seeking flood and windstorm insurance now before it’s too late.
When a Warning is Issued
When the National Weather Service issues a warning for a possible storm, a memo is sent out from insurance companies to carriers who sell their coverages. The memo will state that there will be a moratorium on buying flood or windstorm insurance for those living in areas that may be affected by the severe weather. Some insurance companies will issue a memo that says the sales of flood insurance in a certain state will not take place until the National Weather Service has lifted its warning.
An insurance company may also claim that if one lives within 150 to 200 miles of the affected area, a person may not be able to purchase coverage at all. Why do so many insurance companies deny coverage when a storm warning is issued?
Rafie Moreno is a trusted member of our team and recently spoke about why insurers oftentimes deny coverage after storm warnings are issued. “These companies do not want to take a risk when a storm is expected in certain areas, and unfortunately, our agency can do little to nothing to help when it happens. For this reason, we do our best to persuade potential clients to secure flood and windstorm damage insurance as soon as they can so that they won’t lack coverage.”
Planning for the Season
If you’ve gone ahead and purchased flood and windstorm insurance, then you’re already on the right path toward preventing yourself from having to pay for damages on your own. However, keep in mind that there are still several things you can do to keep your family safe and home secure.
Always make sure that you and your family are prepared. Your first plan of action should be establishing an evacuation route. If this isn’t an option, then plan for your family members to meet at a certain location. Having a disaster kit is the next step in being hurricane-season ready.
This should include:
- A three-day supply of non-perishable foods and water
- First-aid kit
- A battery-powered portable radio
- Flashlight with extra batteries
- Paper money to cover emergency expenses
Preparing your home for the storm is just as important. This includes boarding up windows or covering them with thick tarps, bracing heavy outdoor objects to prevent them from becoming airborne and sandbags to prevent water from seeping in through your home’s entrances.
The Ultimate Provision
Don’t be left without coverage. Stay ahead of the curve and find an insurance policy to cover your home for hurricane season. Our insurance agency in Harlingen welcomes you to sit down and plan for the unexpected. Contact us today to get started!
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