Flooding is a serious concern for homeowners in Houston, where heavy rains and hurricanes can lead to rising waters and significant damage. Flood insurance is designed to protect your home and belongings from these risks, offering financial security when disaster strikes. Understanding what flood insurance covers is essential for Houston residents looking to safeguard their property.

What Does Flood Insurance Cover?

Flood insurance provides coverage for damages caused by flooding, which is typically excluded from standard homeowners insurance policies. Key areas of coverage include:

• Structural Damage: Covers the foundation, walls, electrical systems, plumbing, and other essential parts of your home.
• Personal Belongings: Protects items like furniture, clothing, and appliances damaged by floodwaters.
• Detached Structures: Includes coverage for garages, sheds, and other structures on your property.

Avalon Insurance Agency, LLC works with Houston homeowners to ensure their flood insurance policies provide comprehensive protection for these critical areas.

What Flood Insurance Does Not Cover

While flood insurance offers valuable protection, it’s important to understand its limitations. Typically, flood insurance does not cover:

• Damage to landscaping or outdoor property, such as pools or fences.
• Temporary housing costs if your home becomes uninhabitable.
• Losses caused by moisture or mold that could have been prevented.

Houston residents should review their policies carefully and consider additional coverage options if needed.

Why Houston Residents Need Flood Insurance

Houston’s location and climate make it particularly vulnerable to flooding. Events like Hurricane Harvey have shown the devastating impact floods can have on homes and communities. Flood insurance provides the financial support needed to repair and rebuild, ensuring homeowners can recover quickly after a disaster.

Avalon Insurance Agency, LLC is committed to helping Houston residents navigate their flood insurance options, offering policies that address the unique risks of living in this area.

Get Protected Today

Flood insurance is an essential investment for Houston homeowners, providing peace of mind and financial security in the face of rising waters. Visit Avalon Insurance Agency, LLC today to learn more about flood insurance and find the right policy for your needs.