A flood insurance policy can cover a number of different types of water damage. Because of this, it is a policy type that is often recommended to clients of SWH Insurance Agency LLC who reside in the greater Whitesboro, TX area.
How to protect yourself from different types of water damage
Water damage protection and coverage can be confusing because of all the different types of water damage that can occur. In many instances, your protection will differ if your damage is caused by a flood, burst water main, interior pipes, or severe weather. To further confuse the matter, many homeowners’ policies will cover some types of damage but not others.
Even if you do not live in a confirmed flood area, flood insurance may still be necessary for your situation. It only makes sense to have all of the insurance protection that you need across a range of different types. If you want to have protection from all types of water damage causes, it makes sense to look into flood insurance today.
Sitting down with an experienced agent can help you gain a better understanding of the different types of policies available and what type of protection you may need for your home. It’s time to take the guesswork out of flood insurance and protect your home today!
Find out more about available flood insurance policy options today
SWH Insurance Agency LLC is here to meet the insurance needs of the Whitesboro, TX community. If you have questions about flood insurance, we are here to help! Give us a call or stop by our office today.
Whether you live in a high-risk flood area or not, it’s crucial to formulate a plan to protect your home and family if mother nature decides to strike hard. The internet provides a lot of information on preparing your home for floods, but it’s essential to understand that your needs and risks may not be the same as those of your neighbor or friends. Depending on where your property is located in Whitesboro, TX, you may want to learn whether it’s in a low or high-risk flood area to be well-prepared. SWH Insurance Agency LLC shares a few tips for preparing your home for floods to get you in the right direction.
Assess your risk level
Before you start making any significant adjustments, it’s essential to know where your property stands. Your risk is much higher if your home is located near a water body. Remember risk levels keep changing due to various constructions and infrastructure improvements in your area.
Elevate electrical components
Once you’ve established your risk level, start working on the most dangerous areas, such as electrical components. Water and electricity don’t always get along, so elevate your sockets, switches and wiring systems at least 12 inches above the expected flood level.
Waterproof your basement
The basement is the most affected area in any home following a flood event. If you live in an area that is frequently flooded, you need to waterproof your basement before it becomes a nightmare for you and your family.
Create an evacuation plan
No matter the risk level, it’s always prudent to have an evacuation plan in case your home becomes inhabitable. Let your family know your plan and practice it frequently to make sure everyone knows what to do in the event of an emergency.
Get enough flood insurance
Don’t forget to buy enough flood insurance to replace and rebuild your home in case floods destroyed your home and your personal belongings.
Need to buy flood insurance in Whitesboro, TX? You’re in the right place. Our dedicated insurance agents at SWH Insurance Agency LLC can help you find a flood policy to protect your investment. Call us today.
Over the next couple of weeks we will be moving to our new location at 613 N Union here in Whitesboro. For our existing customers you can expect the same great service you have come to rely on with SWH. For those of you that are not yet with us, we will be having a ribbon cutting with the Chamber once we are settled and hope to see you there!
A flood can cause a great deal of damage to your home’s structure and your possessions within your home. You may not be able to replace items of sentimental value, but you should secure a means of covering replacement and repair costs for your belongings in general. If you’re in the Whitesboro, TX area, our team at SWH Insurance Agency LLC can put together a flood insurance policy to fit your needs.
What Flood Insurance Covers
The average flood insurance policy only covers your home itself up to a certain amount of coverage. This is especially a good idea to have if you reside in an area considered a flood zone as the risk of such an event occurring and causing extreme damage is much higher.
Get an Additional Policy
You’d need to secure an additional policy outside of this to get your belongings covered by insurance. An independent agent can discuss what you’d like to be covered so that you can arrange for the appropriate amount in your policy. Companies have policy packages for such purposes, but you may have this adjusted depending on the company. You should go around your house and create an inventory, including photo documentation and receipts, of items you want to include.
SWH Insurance Agency LLC agents know the in’s and out’s of flood insurance. It can only benefit you to have a solid understanding of what’s not included in a basic flood insurance policy and items you know you’d like to replace. Still, you would be unable to do so if disaster strikes. Be prepared with insurance from our trusted agency that serves Whitesboro, TX, and beyond.