If you are a homeowner, it is wise to speak with an insurance professional about flood insurance and why it may be necessary. Flood insurance is typically a separate policy, as flood damage is not covered under standard homeowners insurance.
Increased Flood Risk in Texas
Severe weather events in Texas are becoming more frequent and intense, bringing heavy rainfall and higher risks of flooding. Strong storms with sustained rain can overwhelm drainage systems and lead to water damage in areas that may not have flooded in the past.
Flooding from statewide storm systems can affect many regions. Rivers such as the San Antonio River pose flood risks during prolonged or intense rainfall events.
Even homeowners who live inland may face flood-related risks. For example, coastal hurricanes impacting areas near Corpus Christi can create storm surge and widespread rainfall that contributes to inland flooding across Texas.
Flood Damage and Sinkhole Risks
Rising groundwater levels during major flooding events can lead to soil erosion beneath a home. In some cases, this erosion may result in sinkholes forming under or near the structure.
Even if floodwater does not enter the home itself, ground instability caused by excess water can lead to serious structural damage. There have been instances where homes suffered major damage or collapse due to sinkholes triggered by flooding.
Water Damage Not Classified as Flooding
When reviewing flood insurance with your agent at Shavano Insurance Agency LLC in San Antonio, TX, it is also important to understand coverage for water damage that is not considered flooding. Examples include damage caused by a broken water main or plumbing failure.
Additionally, wind-driven rain that enters a home after a hurricane or tornado damages the roof may be covered under a separate homeowners or windstorm policy rather than flood insurance. Understanding how these policies work together helps ensure full protection.
Contact your insurance broker at Shavano Insurance Agency LLC in San Antonio, TX, to discuss flood insurance and other coverage options that may be necessary to protect your home.
