Let's consider what has happened in Fort Bend County and parts of Houston and Montgomery in the past few months. Is this what we can expect from future storms? Why risk it!?
With Hurricane Season underway, it is likely we see a couple of storms this year. Don't wait until a storm is at your doorstep... act now! Every flood insurance policy comes with a 30-day waiting period before it can take effect. Review your policies to check for coverage and value.
You can call John at Godbee Insurance for a policy review and to ask any questions you may have about flood insurance. 832-886-5544 or email him at GodbeeJ@NationWide.com
What's Covered Under Flood Insurance?
Flood insurance policies cover physical damage to your property and possessions. You can use the following list as a general guide to what is and isn't covered to help you better understand your policy and coverage.Building Property
- The insured building and its foundation
- Electrical and plumbing systems
- Central air conditioning equipment, furnaces and water heaters
- Refrigerators, cooking stoves and built-in appliances such as dishwashers
- Permanently installed carpeting over unfinished flooring
- Permanently installed paneling, wallboard, bookcases and cabinets
- Window Blinds
- Detached garages (up to 10% of building property coverage); detached buildings (other than garages) require a separate building property policy
- Debris removal
Personal Contents Property
- Personal belongings, such as clothing, furniture and electronic equipment
- Curtains
- Portable and window air conditioners
- Portable microwave ovens and portable dishwashers
- Carpets that are not included in building coverage
- Clothing washers and dryers
- Food freezers and the food in them
- Certain valuable items such as originals artwork and furs (up to $2,500)
What's Not Covered
- Damage caused by moisture, mildew or mold that could have been avoided by the property owner
- Currency, precious metals and valuable papers such as stock certificates
- Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools
- Living expenses such as temporary housing
- Financial losses caused by business interruption or loos of use of insured property
- Most self-propelled vehicles such as cars, including their parts
Investments
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