A clipboard holding a flood insurance policy

Wading Through Risk: Why Flood Insurance Shouldn’t be Overlooked

Water Restoration

As hurricane season continues, it’s essential to proactively safeguard your home and belongings against the potential wrath of nature. Among the most critical aspects of hurricane preparedness is reviewing and ensuring you have flood insurance. Flood insurance is a vital tool that can provide financial security and peace of mind during and after a hurricane or any other flooding event. In this blog, we will delve into the significance of flood insurance and why reviewing your policy throughout the year is necessary.

Understanding the Risks

Hurricanes, tropical storms, and heavy rainfall can lead to severe flooding, causing extensive damage to homes, properties, and infrastructure. Floodwaters can invade your living space, destroying furniture, appliances, flooring, and your home’s structural integrity. The costs associated with flood damage can be excessive, often requiring significant financial resources to repair or rebuild.

Contrary to popular belief, standard homeowner’s insurance policies typically do not cover flood damage. This common misconception can be financially devastating, as homeowners may find themselves without adequate coverage when flooding occurs. It’s imperative to recognize this gap in coverage and take proactive steps to secure a separate flood insurance policy.

A man walks through a flooded area in 
A flood can strike at any time.

Benefits of Flood Insurance

Financial Protection

Flood insurance offers financial protection against the expensive aftermath of a flood. It covers structural damage to your home, including the foundation, walls, electrical systems, plumbing, and major appliances. Without flood insurance, you may have to bear these costs out of pocket, potentially straining your finances.

Contents Coverage

Our cherished heirlooms can be impacted by storms, too. In addition to structural damage, flood insurance often includes coverage for personal belongings within your home. This protects items such as furniture, electronics, clothing, and other valuables, mitigating potential losses.


Are you worried about the potential out-of-pocket costs you might encounter after a severe storm? With flood insurance, there’s no fear; you’ll feel relieved knowing you’re secure from nature’s unpredictable weather events. With your finances settled, you can prioritize your family’s well-being. 

The Importance of Reviewing Your Policy

It’s never too late to double-check your policy! Here are some reasons why reviewing your policy throughout the year matters:

  1. Policy Adequacy. Ensure that your current flood insurance policy provides adequate coverage for your home and belongings based on their current value.
  2. Understanding Coverage. Take the time to thoroughly understand what your flood insurance policy covers and what it doesn’t. Clarify any doubts you may have with your insurance provider.
  3. Policy Exclusions. Be aware of any exclusions or limitations in your policy so you’re not caught off guard in the event of a flood.
  4. Policy Updates. Insurance policies can fluctuate and change over time without your notice. Ensure that you’re up-to-date with the latest policy terms and conditions.
  5. Emergency Contact Information. Confirm that you have the correct contact information for your insurance company and agent in case of an emergency.
A kitchen falling victim to flood waters. Flood insurance could help ensure this damage is repaired.
Flood insurance can save your home.

Has Flooding Affected Your Property? Call PuroClean of Central Southwest Houston

No one ever expects a flood to happen, but the consequences can be devastating when it does. From ruined walls to waterlogged personal belongings, it can seem like there’s no end to the damage. With years of experience dealing with flood damage, our team at PuroClean of Central Southwest Houston knows how to handle any situation. We use the latest technology and techniques to extract excess water and dry out the structure, restoring your property and peace of mind. For assistance, please call us today at (832) 856-5900 for fast water damage restoration in Southwest Houston.

Last edited on 21st of September 2023