Flood Insurance in Edinburg, TX
Flood insurance is a standalone policy that may cover damage caused by flooding. You can purchase it through the National Flood Insurance Program (NFIP) or some private insurers.
How Does Flood Insurance Work?
Flood insurance may provide financial support when rising water from natural sources damages your property. Without it, you could be left with expensive repair bills, damaged personal items and limited access to federal aid.
Flood insurance policies often have a 30-day waiting period before coverage takes effect. This means you can’t buy a policy right before a storm and expect immediate coverage.
What Does Flood Insurance Cover?
Coverage often varies depending on the policy and insurance provider. However, most flood insurance includes two types of coverage:
Building property coverage may cover your home’s physical structure and a detached garage, up to a specific limit. This may include:
- Foundational walls, flooring and staircases
- Electrical and plumbing systems
- Cabinets
- Central air conditioning, furnaces and water heaters
Personal property coverage may help pay for the cost of replacing personal items, such as:
- Clothes
- TVs, computers and other electronics
- Beds, sofas and other furniture
- Microwaves and other portable appliances
- Portable and window AC units
Flood policies generally do not cover damage from preventable moisture, mildew or mold. They also often exclude costs for temporary housing, landscaping, and vehicles. Coverage is usually limited to direct physical damage from flooding. Be sure to review your policy to understand what falls outside the scope before filing a claim.
Get Covered Today
If you’re in Family Affordable Insurance and considering flood insurance, Family Affordable Insurance is here to help. Contact us today to speak with a local agent and get started.