Flood Insurance

We provide flood insurance to homeowners in Burleson, Cleburne, and across Texas

Flood insurance plays a crucial role in safeguarding individuals, homeowners and communities against the devastating financial and emotional impact of flooding. Floods are natural disasters that can occur anywhere, often without warning, and can cause significant damage to properties and belongings. Unlike standard homeowners insurance, which typically excludes coverage for floods, flood insurance provides the necessary protection to mitigate the financial burden of repairing or rebuilding after a flood event. It helps homeowners and businesses recover, providing funds to repair structural damage, replace damaged belongings and cover additional living expenses.  


Who Should Get Flood Insurance?  


Flood insurance is recommended for anyone living in or owning property in areas prone to flooding, such as coastal regions, near rivers or lakes, low-lying areas or areas with a history of flooding. Homeowners, renters and business owners should all consider obtaining flood insurance to protect their assets and mitigate financial risks associated with flood damage. Even if an area is not classified as a high-risk flood zone, it does not mean it is immune to flooding. Floods can occur due to various factors, such as heavy rainfall or infrastructure failures. Therefore, individuals must assess their flood risk and consider obtaining flood insurance to ensure adequate protection and peace of mind. 


How Much Flood Insurance Should I Buy? 


The amount of flood insurance you should buy depends on several factors, including the value of your property, its contents and your level of risk tolerance. 


How Does Flood Insurance Work? 


Flood insurance is a separate policy designed to cover losses caused by flooding. Regular premiums are paid to maintain coverage after purchasing a policy and determining coverage limits. In the event of a flood, you must contact the insurance company, document the damage and file a claim with supporting documentation. An adjuster will assess the damage, and if the claim is approved, a payout will be provided based on the policy’s coverage limits and deductibles.  


What Does Flood Insurance Cover? 


Flood insurance typically provides coverage for two main components: building property coverage and personal property coverage. 


1. Building property coverage may help cover the physical structure of your property, including the foundation, walls, electrical and plumbing systems, appliances and fixtures. It may also cover built-in items such as carpeting, cabinets and bookcases. The coverage may extend to structural damage caused by flooding, including damage to the foundation, walls, floors and equipment. 


2. Personal property coverage may help protect your belongings and contents inside the insured property, such as furniture, electronics, clothing, appliances and valuables. However, certain high-value items, such as artwork, jewelry and collectibles, may have coverage limits. Additional coverage or separate policies may be required for complete protection. 


It’s worth mentioning that flood insurance specifically covers damage caused by flooding, defined as a general and temporary condition of partial or complete inundation of normally dry land by water. It does not cover damage caused by other types of water-related events, such as sewer backups or water leaks, unless a flood directly causes them. 


Each flood insurance policy may have specific coverage limits, deductibles and exclusions, so reviewing the policy carefully and understanding its terms and conditions is essential.  


Contact Lone Star Insurance Agency today to learn about flood insurance coverage options.