Flood Insurance

Did you know that FLOOD INSURANCE is not covered under your standard Homeowners Insurance or Dwelling Fire Insurance Policies?

The FEMA National Flood Insurance Program covers direct physical loss of structure or personal property caused by a flood. Defined as an excess of water on land that is normally dry, a flood can include:

  • overflow of inland or tidal waters
  • rapid accumulation or runoff of surface waters from any source
  • land subsidence along a lake or other body of water resulting from unusual wave or current activity
  • mudflow (liquid and flowing mud carried by a current of water or normally dry land)

A flood insurance policy pays for direct physical damage to insured property and can provide compensation up to the actual cash value of the property lost or damaged, or the policy liability limit, whichever is less. Flood insurance is not a guaranteed replacement cost policy, but can significantly offset your losses should you be damanged in a flood event.

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Safety First Won’t Spoil the Fun at Your Business Holiday Gathering

Thursday, December 13, 2018

As the holidays approach, most businesses are planning office parties, pot luck lunches, and closing shop for a few days of downtime. It’s a joyous fun time of the year, but it’s also the time when burglaries, thefts, and accidents increase.

Winter Weather and Icy Roads

Wednesday, December 5, 2018

Although we don’t worry much in Texas about getting too much snow, we are sometimes plagued with the wrath of icy, drizzle that makes the roads a glassy nightmare. That’s when you’re glad you have auto liability insurance.

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