You’ve probably watched on the news how many people lost their homes due to torrential downpours. Although the extent of the damage varies greatly from house to house, it often exceeds the funds a family has to repair or replace. Flood insurance protects individuals, but it’s not necessary for all homeowners. At Outdoor Insurance Services, serving The Woodlands, TX and the nearby region, we can help you determine if flood insurance is necessary for you. 

Assess Your Risk

Keep in mind, even if you’re at a higher elevation, floods can damage the bottom structure of your home and cause it to collapse. You also want to take into consideration that water can seep into your home and cause damage to your basement.

You want to take into consideration the average rainfall in your area as well as how often storms occur. You want to take into consideration the type of storms that affect your area. It’s also important to think about the worst-case scenario. If your standard policy doesn’t cover the damage, you’ll need to pay out of pocket. If you can’t afford it, you could find yourself struggling to figure out how to repair the damage.

Consider What the Policy Offers

Policies vary regarding what they cover and how much of it they cover. It’s important to consider what the policy covers and if it’s enough. If you’re worried about a specific area of your home getting damaged by flooding, you want to make sure the policy covers it. Sometimes, flood policies are limited. You also want to consider that even if you’re not in a high-risk area, you could experience flood damage.

Contact Outdoor Insurance Services, serving The Woodlands, TX and nearby area, for a quote for flood insurance by calling us at 832-497-5312.