Category: Flood Insurance

San Antonio, TX is located in a region known as “Flash Flood Alley,” one of the most frequently flooded areas in North America. Flash floods happen after heavy rain and are dangerous for people and property. Homeowners living in this region must take steps to prepare for these sudden and deadly events.

How Can San Antonio Residents Prepare For Flash Floods?

Flash floods occur with little notice, but there are steps homeowners can take to prepare to protect their family, pets, and property in the event of a flash flood.

• Have a flood preparedness kit ready to go at all times. This bag should include basic supplies that you may need in the event of a quick evacuation. Consider special needs like baby formula, pet food, and medicine.
• Prepare an evacuation plan for your entire family, including pets. Make sure everyone knows what to do if a flash flood warning is issued.
• Make copies of important documents. Send them to a relative in another region or store them digitally.
• Consider investing in flood-mitigation measures for your home, such as elevating your foundation and sealing basements. 
• Place sandbags around your home to keep water out when you expect flooding.
• Invest in flood insurance from a reliable agency, such as AlphaSure Affordable Insurance Services, to protect your investment should the worst happen.

Do San Antonio Residents Need Flood Insurance? 

Different states and counties have different laws regarding flood insurance. Additionally, mortgage lenders may require homeowners to carry flood insurance. Even if you’re not required to carry flood insurance, protecting your investment is still important. 

Give Us A Call

Reach out to AlphaSure Affordable Insurance Services today and speak with an agent serving the greater San Antonio, TX community. Our agents understand your local coverage options and are ready to help you make the best choice to protect your family’s future.

Homeowner’s insurance usually doesn’t cover flooding. However, you may have other types of insurance that insure flooding. Ask your insurance agent or look up your policy online to see what coverage you have. Consult with AlphaSure Affordable Insurance Services in San Antonio, TX for expert advice. 

What to Know About Homeowner’s Insurance and Flooding

Homeowner’s insurance policies vary, but most will cover some level of flooding. If your home is worth less than a certain amount, then you would most likely be covered up to that amount. Homeowner’s insurance only covers loss, not damage. 

Homeowner’s insurance may not cover home damage caused by flooding. Some homeowner’s policies may cover flood damage, but the amount can be limited. If you’re in this situation and want to learn more about the coverage options available to you, contact the insurance agent that you used to purchase your policy. 

It is always a good idea to contact your homeowner’s insurance company to find out if they offer any coverage for flooding and to get a comprehensive policy overview. You can also get a different flood insurance policy. 

Homeowner’s insurance policies vary widely, so it’s important to do your research and shop around to find the policy that best suits your needs. In general, most homeowners’ policies won’t cover flood damage if it was caused by the following factors. 

• An overflowing sewer or drain line
• Heavy rain
• A pipe that bursts
• An overflowing water heater
• An overflowing water cooler
• An overflowing swimming pool
• A pipe that bursts due to freezing temperatures
• A pipe that bursts due to high pressure
• An explosion
• A lightning strike.

Contact Us Today

If you live in a flood zone, you must purchase flood insurance, which is sold and administered by the federal government through FEMA. Flood insurance is available for buildings but not contents. For any insurance-related queries in the greater San Antonio, TX community, call us today at AlphaSure Affordable Insurance Services.