Floods can cause destruction in a matter of hours. Water can cascade into your home in minutes, filling your basement and lower levels. It quickly saturates drywall and wooden floors, resulting in a massive pool of standing water full of bacteria. Your flood insurance in Round Rock, TX, may be able to help.
Home Policies
Standard home policies usually don’t include flood coverage. Instead, you need separate coverage specifically designed for floods. Many policy providers allow you to add this as a rider to your existing home policy.
Qualifying Flood
Flood insurance only covers standing water from a qualifying flood event, meaning water that rises from the ground up, such as a river or other water source overflowing, or extreme rainfall that floods the yard before rising water enters your home.
Water damage from other sources typically doesn’t qualify. For example, if your roof leaks or missing shingles let rain into your home, that water didn’t originate from the ground, so it generally won’t be covered under a flood policy.
Some insurers also have additional requirements, such as requiring that damage affect at least two neighboring properties or cover a certain number of acres, consistent with how flooding is defined under federal flood insurance guidelines. A representative at DGIA LLC can help you learn more about these specific requirements.
Does It Cover Water Removal?
In most cases, your coverage will help with the cost of water removal. Some policies also cover cleaning and dehumidification to help prevent mold, and many cover structural damage to your home, such as flooring or walls.
An agent at DGIA LLC can help you learn more about your policy’s details. Contact us today. We’re currently serving the Round Rock, TX, area.
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