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Hays and Hagan Insurance

510 E. Brazos Ave STE 3
West Columbia, TX 77486

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Flood Insurance in Texas

West Columbia, TX is often affected by floods. It is essential that if you are planning to settle here, that your property and business are protected from floods. Floods in Texas are unpredictable; hence the smartest way to protect yourself is through a flood insurance cover.

What is flood insurance cover?

It is a policy that covers damages sustained as a result of water damage, specifically due to flooding. Insurers will denote floodplains, that are susceptible to flooding, to determine the risk factors affecting each property.

If you are moving into a new home in West Columbia, TX, or you are starting a new business in Texas, visit our agents at Hays and Hagan Insurance, for advice on a suitable policy for you.

WHAT IS COVERED BY FLOOD INSURANCE?

In this line of Insurance, physical losses from floods and losses related to flood erosion caused by waves or currents are covered by this policy. This policy covers severe storms, flash floods, and abdominal tides that could destroy property. Insurance agents at Hays and Hagan Insurance are committed to serving the West Columbia TX community and will offer you a high level of personal service in analyzing your property.

BASICS FLOOD INSURANCE?

  • Easy to purchase-flood insurance is easy to purchase from an insurance agent.
  • Requires waiting for period-flood insurance has a 30-day waiting period before flood insurance takes.
  • It can be augmented as excess insurance-excess flood insurance policies are now being offered to provide water damage protection to homeowners above the coverage provided by NFIP.

DO YOU NEED A FLOOD INSURANCE COVER?

It is essential to have a flood insurance policy if your home or business falls in flood regulated zone. Individuals who have mortgages with the Federally regulated or insured lender will be mandated to take this cover. At Hays and Hagan Insurance, we will shop for the best value in coverage and price for all customers. Visit our website or give us a call for more information!