If you’ve been considering adding flood insurance to your home or commercial property, it’s important to understand what it is and what it covers. There could be cases where it’s required, and you need to add it to your policy.

What is Flood Insurance?

This policy is a supplemental insurance option that can be added to your home or commercial insurance policy. It covers damages to the area done by water and other natural disasters that aren’t usually covered under your standard policy. It’s ideal to give you that full coverage protection.

When Should You Get Flood Insurance?

If you aren’t sure about getting flood insurance, there are a few things to keep in mind to help you make that decision.

1. You Live Near Water

Whether it’s the ocean, rivers, or major lakes, getting flood insurance on your property is a good practice. Even if your area isn’t labeled as a flood zone, you’ll want to make sure to have this coverage in the event of a tragedy.

2. Loss of Natural Trees and Wooded Area

If you live in an area that is built up with a lot of homes and a lot fewer trees, then you might want to get flood insurance. Naturally, certain trees and wooded areas can handle excess rain, but areas that do not have that natural buffer are more likely to experience flooding.

3. It’s a Requirement

If you’re looking to purchase a home in a flood zone, you will need to have this insurance before you can secure your mortgage. A flood zone could be an area that has already experienced flooding or has the potential to experience it based on its location in local water.

If you’re considering adding flood insurance to your policy, feel free to contact Outdoor Insurance Services. We proudly serve the Houston, TX area and surrounding communities.