Flood Insurance in Arlington, TX
The Lone Star State is no stranger to extreme weather. Whether it’s hurricanes from the Gulf Coast or severe thunderstorms across the state, flooding is a real concern. The professionals at GEC Insurance Services can help you assess your risk and guide you in choosing the best flood coverage for your needs and budget.
What Does Flood Insurance Cover?
It’s crucial to first understand that standard homeowners or renters policies do not cover flood damage. If you aren’t covered adequately, you could end up paying out of pocket for costly repairs from damage caused by flooding. Flood insurance is a separate coverage that helps pay for damage caused by rising water, not water damage from internal sources, such as burst pipes.
Flood insurance combines two main coverages:
- Building coverage includes the walls, foundation, appliances, and electrical and plumbing systems.
- Contents coverage includes furniture, clothing, electronics, and other valuables.
Do I Need Flood Insurance?
You may be required to obtain flood insurance if you live in certain designated flood zones. It’s important to check with your insurer to know if you’re legally required to have it. However, even if you aren’t located in a flood zone, it’s strongly advised to consider flood insurance if you live near a river, creek or lake, or in urban areas with poor drainage. Climate shifts and developments can also impact flood risks for some areas.
Where Can I Get Flood Insurance?
Most flood insurance policies are purchased through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). Alternatively, private flood insurers may offer extended or custom coverage if needed.
It’s important to note that there is a 30-day waiting period before most policies go into effect.
Contact Us
Contact the team at GEC Insurance Services in Arlington, TX to determine your flood risk and get a personalized flood insurance quote.