Category: Flood Insurance

Even in climates that are typically pretty dry, flooding is possible. That’s why it’s a good idea to assess your risk and determine whether flood insurance is right for you. If you’re in the Willis, TX area, Melvin Gessner Insurance Agency can help you learn about this important type of insurance and understand your risk. Then you can make an informed choice and have increased peace of mind.

Flood Insurance Protection

Anywhere it can rain, it can flood. It may seem more likely in climates where there’s more rainfall, but that’s not always true. A drier climate can have flooding risks because the ground doesn’t absorb rain as quickly. If there’s a strong storm, the water doesn’t get soaked up fast, and it has to go somewhere. That’s where flash flooding often comes from, especially during the later summer months when monsoons are more common.

To help protect your family and your assets, you may want to make sure you have all the right insurance coverage. That often includes protection from unlikely events that are still possible, such as floods. You can generally get this kind of coverage for a good value if you’re not in a flood zone because your risk of a claim is low. Most insurers understand that and will provide you with quotes that can meet your needs.

Consult With Us

If you’re in the Willis, TX area and looking for help with a flood insurance policy, Melvin Gessner Insurance Agency can answer your questions. We’ll work with you to find the policy that fits your situation, so you can feel comfortable and protected for the long term. You don’t want to put one of your largest assets at risk when it’s easy to avoid it. Reach out to us today to find a great flood policy.

A major part of keeping your home properly protected is understanding your insurance policy, how it works, what it covers, and what is covered. The knowledgeable insurance professionals at Melvin Gessner Insurance Agency are here to help clients in Willis, TX and the surrounding areas better understand these topics.

Let’s take a look at some of the myths surrounding flood insurance:

Myth: Your Home Insurance Policy Covers Flooding

This is a big misunderstanding many homeowners have concerning flood insurance. Your home insurance policy will cover flooding that occurs inside of your home caused by appliance or plumbing malfunction. You should understand that this is very different from flooding which results from a natural disaster.

A flood insurance policy is intended to cover natural disaster flooding or other cause of flooding from outside of the home.

Myth: You Won’t Qualify For Insurance In A High-Risk Area

There are obviously some areas of the country that are at a higher risk of flooding than others. Contrary to this myth, you can obtain flood insurance even if you live in these areas. You will need to have your flood risk professionally assessed, however.

Myth: Renters Aren’t Eligible For Flood Insurance

Renters can get flood insurance coverage for their belongings that are being housed in a rental property. You will need to sit down with an insurance professional to determine the value of your possessions to make sure you get an adequate policy. You should note that your personal items are not covered under the policy that your landlord or property manager has on the property itself.

Contact Us Today

Would like to learn more about flood insurance or any of the other insurance services that we provide? Don’t hesitate to get in touch with us at Melvin Gessner Insurance Agency, serving Willis, TX and the surrounding areas.

Flooding is one of the most common natural disasters in the United States. Every year, floods cause billions of dollars in damage and claim dozens of lives. If you live in a high-risk area, it’s important to have flood insurance. The question is, what are the waiting periods for flood insurance?

Here is how to navigate the waiting periods and get coverage:

Federal Flood Insurance Waiting Periods

You can buy flood insurance through the National Flood Insurance Program (NFIP). This insurance policy has a waiting period of 30 days from your purchase date. If something happens during what is known as the blackout period, you’ll not be covered.

Private Flood Insurance Waiting Period

Private flood insurance policies have different waiting periods depending on the insurer. Some insurers will have a waiting period of 14 days, others have a 30-day period, while others might not have one at all. The thing is, you need to ensure you get your policy from a reputable insurer like Melvin Gessner Insurance Agency in Willis, TX.

Which of the Two Should You Get?

It all depends on your needs and budget. If you feel like you’re in a high-risk area,  then getting a private policy with a shorter waiting period is ideal. At Melvin Gessner Insurance Agency, we can help you get the right flood insurance policy that will protect your home. If not, the NFIP policy might be a better fit for you.

Contact Us Today

There you have it. These are the waiting periods for flood insurance. If you have any questions or would like to get a quote, Melvin Gessner Insurance Agency in Willis, TX is here to help. Give us a call today, and we’ll be more than happy to discuss your flood insurance needs.