The last thing you ever want to experience is a flood. Unfortunately, many floods occur without any notice in Wilis, TX, which can lead to significant amounts of damage. Preparedness is critical, and having flood insurance can make a big difference. At Melvin Gessner Insurance Agency, we can ensure you have the coverage that’s needed.
Prepare for Floods
Floods can occur because of significant rainfall, a blocked storm drain, a coastal surge, and many other factors. As soon as the flooding occurs, it may be too late to take action, which is why you need to be prepared with flood insurance.
Willis, TX, homeowners may experience all sorts of damage as a result of a flood, including:
- Damage to flooring, walls, and other aspects of the home
- Damage to furniture and other belongings
Additionally, the home may not be livable while the flood damage is addressed. With the right flood insurance policy, you can file a claim without having to worry about significant out-of-pocket expenses.
Why Home Insurance Isn’t Sufficient
Many homeowners make the mistake of assuming that home insurance protects them against floods. This is not the case. In fact, your average home insurance policy won’t provide any protection against floods. That’s why you need a separate policy.
Some mortgage companies may require you to have the coverage while others will not. Much of it depends on your zip code and whether you’re in a FEMA-identified flood zone.
Even if you’re not in a zone that requires coverage, it can still be an important policy to purchase.
Get Help with the Right Coverage
Many factors are involved in buying a flood insurance policy to help protect your home. These include the value of your home, the likelihood of a flood, and more.
You can get a customized policy with the help of friendly and experienced agents at Melvin Gessner Insurance Agency. Call us today to get started.
