Tag: flood

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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Home insurance doesn’t cover flood damage, which is why a separate flood insurance policy is so important. When you invest in a flood policy, you’re primarily focused on guaranteeing that you’ll receive coverage to replace your home if it’s destroyed in a flood. But your home is more than just the structure of the house. Everything that is outside your property matters as well. This raises the question: What exactly will flood insurance cover outside your home, if anything? Here’s what you should consider when purchasing flood insurance for the most comprehensive coverage. When you’re ready to shop around for flood coverage, come to us at DGIA LLC, serving Round Rock, TX. 

What Outdoor Elements Does Flood Insurance Cover?

It’s important to know up front that your standard flood insurance policy won’t cover most of what is located outside of the structure of your home. Of course, there are exceptions to this rule. Certain detached dwellings may be covered by your flood insurance policy. However, you will need to review your policy more closely to understand what it specifically offers. It may cover components of your property that are especially crucial, including things like fuel tanks, solar panels, and well tanks and pumps. Beyond that, your flood insurance won’t protect much of your landscaping or other outdoor structures and items. The good news? You can always purchase additional insurance to make sure that these elements of your home are covered.

Shop Flood Insurance With DGIA LLC

Do you live in an area that’s prone to flooding, heavy rainfall or dry spells followed by heavy rains? All these weather patterns can create flood risks, even if you live outside a flood zone. At DGIA LLC, serving Round Rock, TX, we’ll explain your flood insurance options in plain language and streamline the flood insurance buying process. Contact us to compare quotes for you to keep your property protected, no matter the weather.