bf vvtA Texas Flood Insurance Update Texas may not get as much rain as other parts of the country, but we do have our share of floods. Flooding can happen almost anywhere. That is why we recommend you consider flood insurance. Flood insurance Flood insurance is excluded under your homeowner’s insurance.  You will need to have a separate policy. Myths about flood insurance
  • “It is expensive.”   Costs generally run around $500-$600 per year, depending on location and home value.
  • “Flood insurance is for people who live by rivers.”  One in every five flood claims come from homes not in flood plans.
  • “Water damage is water damage.”  While most policies cover water damage from rain, they exclude coverage from flooding or rising waters.
When a disaster strikes, flood insurance claims are paid even if a disaster is not federally declared.  Flood insurance covers flood damage, and unlike Federal aid, it never has to be repaid. We are here to help you, and we are the leading agency in the region.  As an independent insurance agency, our goal is to shop the markets for you to find the best value policy for your needs, which does not shortchange you on coverage, and fits your budget. 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.