Things You Must Know About Flood Insurance in Texas

Flooding can cause irreparable damage to both property and premises. Flood insurance claims should be a relied-upon recovery for the policyholders. But the truth is that some people end up struggling with flood claims that have been underpaid, delayed, or outright denied in the aftermath. 

While many policyholders are tempted to accept less than they deserve for their losses, it’s important to understand that a policyholder can fight back and get desirable results. You can hire a reliable lawyer from a flood law firm via They serve policyholders and property owners of all kinds, and we have helped numerous clients to maximize their insurance claims following major floods.

flood insurance claims

Following are some facts you need to know about flood insurance:

  • Don’t wait until the last minute 

Flood insurance policies usually have a waiting period. This waiting period can be as long as thirty days. Therefore, it is important to purchase flood insurance policies well in advance of hurricanes and storm seasons.

  • Don’t rely on the homeowner’s policy 

Policies for standard homeowners do not cover the “floods”, or the sources of water that come from the ground. The policy may not cover the burst pipe but it will cover excessive rain or backed-up sewers.

  • Never assume you don’t need insurance for rental property

There is a good chance the landlord has not yet invested in the policy. This means that personal property will not be covered for water damage.

So make sure you invest in the policy to protect the business. It is common for offices to be filled with expensive technology, furniture, files, and other items. If you don’t have the non-residential flooding policy, you could be responsible for any water damage and even the removal of residual mold. The commercial property insurance does not cover flooding caused by water on the ground, just like the homeowners insurance.

Just because you’re not in the higher-risk flood area does not mean that you won’t be affected. Take your time and review the FEMA National Flood Insurance Program to get detailed information about flood areas, preparedness tactics, and maps.