I am often asked the question, does my homeowners insurance policy cover flood damage? The answer is no. Although most homeowners insurance policies in Texas provide coverage for water damage, they specifically exclude flood damage due to rising water. The type of water damage covered on your home insurance is limited to a bursting water heater, burst washing machine hose, bursting water line, etc. This type of damage usually occurs from within the home.
Water damage due to flood and/or rising water is excluded. An example of this would be a creek or river overflowing its banks, water runoff from substantial rains that find there way into your home or storm surge such as experienced in New Orleans with Hurricane Katrina.
If you are wanting to get Flood Insurance Coverage, you will need to purchase a separate flood insurance policy. Our agency can arrange that for you. It is written through the National Flood Insurance Program and normally is not very expensive if you are located in a Preferred Flood Zone. Please let us know if you would like additional information.
