Only a Secure Flood Insurance Policy Can Help You Avoid the Nightmare of Dealing with Repairs!

Once again, Texas made weather-related headlines after Tropical Storm Imelda struck the southeast portion of the state, affecting thousands. This was only two years after Hurricane Harvey, so the flooding issues were nothing new to many Texans. The damages were unfortunate and not far from the southern region of the Rio Grande Valley. One can’t help but ask, am I ready if a tropical storm or other severe weather hits my area?

Securing Your Property

Thousands were affected by heavy rainfall in Texas this year, and in 2018, over 5,000 applicants were approved for FEMA assistance due to damages sustained in last year’s storms. Rising waters can easily happen in low-lying areas like the Valley, and if you lack a secure flood insurance policy, then we strongly urge you to reach out to us to get the process started.

It’s also important to remember that a homeowner’s insurance policy does NOT cover floods as a risk. A flood insurance policy and a homeowner’s insurance policy are two different coverages that are vital for your property.

Don’t Wait

If you still find yourself putting off purchasing homeowners or flood insurance, then consider this: when a warning is issued for a hurricane or tropical storm, a memo is sent from insurance companies to insurance carriers in expected affected areas. This memo notifies carriers to stop selling flood or windstorm coverages for the affected areas. The moratorium on coverages will end once the tropical storm or hurricane warnings have ended.

Imagine hearing that your region is about to be struck by a heavy rainstorm or tropical storm and you happen to lack insurance. Unfortunately, you’ll be fresh out of luck in finding a policy in time to protect your property!

What You Can Expect

If a hurricane strikes your area, then your home will be at high risk of damages or even complete destruction. Hurricane season officially ends on November 30, 2019. This leaves a lot more time for a potential storm to strike. If one does, you can expect:

  • Heavy flooding that lasts weeks after the storm ends.
  • Shattered windows and damaged roofs caused by high winds and flying debris.
  • Power outages that can last anywhere from a few hours to a few weeks after a storm strikes.
  • Potentially relocating to another temporary residence while your property is repaired.
  • Having to pay out-of-pocket for all repairs if you lack homeowners and flood insurance policies.

Avoid making your experience even worse than it has to be by finding a policy that best fits your needs.

Find the Perfect Insurance Policy Today

At Shepard Walton King, our McAllen insurance agency knows that flooding is devastating, along with a recovery process that can last months. Contact our offices today to get started on finding a homeowners and flood insurance plan that’s right for you.

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