Did you know that floods are the most common form of natural disaster? Floods cause over $4 billion dollars in damages ever year. Here is another amazing fact; the average homeowner has a 1 in 4 chance of having flood damage during the timeframe of a 30 year mortgage. J.S. Edwards & Sherlock Insurance Agency is here to assist you with flood insurance and to help you understand more about why you need this valuable type of insurance. Don’t wait for a flash flood or flood-related losses to befall you before you protect your home and everything in it. If your home is in a flood zone, you must buy flood insurance if you want the government to help you after a flood. If you wait until after the flood, you won’t be able to obtain the insurance. Many mortgage companies are now requiring flood insurance as part of their loan package. A standard homeowner’s and renter’s insurance policy does not cover flood damage. Flood damage is excluded under standard homeowner’s policies Flood Insurance Flood insurance is available through the National Flood Insurance Program (NFIP) run by the Federal Emergency Management Agency (FEMA). A few private insurers offer flood insurance as well. Flood insurance covers direct physical losses from floods and losses resulting from flood related erosion caused by waves or currents of water exceeding anticipated cyclical levels and accompanied by a severe storm, flash flood, abnormal tide surge or a similar situation that results in flooding. J.S. Edwards & Sherlock Insurance Agency enjoys a rich heritage dating back over 100 years proudly servicing all of Southeast Texas. A combination of two family-owned agencies built on the values of their founders, the firm is now one of Texas’ leading Independent Insurance Agencies. With offices in Beaumont and Houston J.S. Edwards & Sherlock Insurance Agency offers everything from Commercial Insurance and Personal Lines Coverages to Workers Compensation Plans and Life, Health and Employee Benefits.