By: Edward L. Blais, JD, CIC
With the tremendous
devastation we have all witnessed in Florida, Houston and Puerto Rico, Blais
Insurance would like to, once again, remind you to secure proper flood
insurance. Whether you live on the coast in Florida, or nowhere near the water
in Houston, Texas, your home or business can sustain a catastrophic loss as a
result of ground water flooding. Unfortunately, only 10% of claimants had flood
insurance in Houston, which is the only coverage that applies to that level of
flood damage.
Homeowners’
insurance policies cover property damage that results from a sudden discharge
of water from a home plumbing system or appliance. An example of this would be
if a pipe burst in your home. However, many people find out at the time of a
loss that water damage resulting from ground water seeping into a basement is
never covered so prevention is the proper focus where seepage is concerned. Moreover,
damage from flooding is only covered under a separate flood insurance policy
when a qualified flood event occurs. With the rainy months still ahead of us,
homeowners in high-risk flood areas are no longer the only ones who require
flood insurance.
Blais
Insurance offers premium flood insurance coverage at affordable rates through
the National Flood Insurance Program. As we all discovered after the historic
flooding in Texas, flooding can happen anytime, anywhere. There is typically a
30-day waiting period from when the coverage is purchased to when it goes into
effect so do not wait for the next, big storm if you are considering flood
insurance. Call Blais Insurance today at 725.0070.
