Tag: flood

When floodwater enters your home, the clock starts ticking immediately. Every hour that passes without action increases the risk of mold, structural damage, and lost belongings. Christian Insurance Agency helps homeowners throughout Magnolia, TX, understand flood coverage and know exactly what steps to take when water damage strikes.

Get to Safety First

Before anything else, make sure everyone in the home is safe. If floodwater is still rising, get out. Avoid walking through moving water, and stay clear of any electrical panels or outlets that may have been exposed. Once it’s safe to return, wear protective gear before stepping back inside, since floodwater often carries contaminants that can be harmful, and your home likely won’t look the same as when you left it.

Document the Damage Before You Touch Anything

Once you’re safely back inside, start documenting before moving or discarding anything. Take photos and videos of every affected room, piece of furniture, and personal item you can find. This documentation forms the foundation of your flood insurance claim, and the more thorough you are, the smoother the process tends to go. Contact your insurance company as early as possible and ask about the next steps before beginning any cleanup or repairs.

A flood can turn your life upside down in a matter of hours. Being prepared with the right coverage beforehand is what puts you in a position to recover quickly. Christian Insurance Agency proudly serves homeowners throughout Magnolia, TX, and is ready to help you secure the right flood coverage today. Don’t wait for the next storm to find out where your coverage stands.

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It doesn’t take a lot for a roof to start leaking. One loose shingle can blow away in a storm, allowing water to slowly leak down into the attic and cause mold, ultimately ruining personal belongings. Will flood insurance cover the damages to your Magnolia, TX home?

Flood Insurance Coverage

Unfortunately, no, flood insurance will not cover water damage from a leaking roof. It’s designed to cover damage from rising water. For example, if heavy rainfall makes the river level rise, it can lead to a flood. Water damage from a leaking roof typically does not qualify for coverage. 

Homeowners Coverage

Your homeowners policy may still provide coverage for the damage, though. However, it depends on why the roof is leaking. For example, if a covered peril caused the shingle to blow away, you might be covered. Discuss your situation with an agent at the Christian Insurance Agency to determine whether you’re covered. 

Policy Exclusions

Every policy has exclusions. One of the most common exclusions is normal wear and tear. If the roof has deteriorated over time or there is evidence that the homeowner didn’t repair the roof, resulting in damage, the claim will be denied. 

Some policies exclude certain natural disasters, such as tornadoes or hurricanes. Many also exclude floods, which is why most homeowners need flood insurance. 

Even if your flood policy won’t cover damages, you may have other options. Experienced agents at the Christian Insurance Agency will listen carefully to the details of your situation. We’ll review your policy to see if there’s anything we can do. Contact us today to learn more about your options. We’re currently serving the Magnolia, TX area.