When most people think of a flood, they imagine water rising quickly after a storm. While this is true in casual conversation, the term "flood" has a much narrower definition in the insurance world. One that can catch Texas homeowners off guard. Your insurance representative at Shavano Insurance Agency LLC, serving San Antonio, TX, wants you to understand exactly where you stand when it comes to flood coverage.
Understanding the Insurance Definition of Flood
In insurance terms, a flood is defined as water covering at least two acres of normally dry land or affecting at least two properties, with the water originating from external sources such as heavy rain, storm surges, or overflowing rivers. This definition is important because water damage from internal sources, like a burst pipe or backed-up drain, typically falls under homeowners’ insurance, not flood insurance.
Real-World Examples
Consider a tropical storm pushing water from the Gulf into neighborhoods. This scenario qualifies as a flood under insurance terms. However, if your washing machine hose bursts and damages your flooring, it does not. Both situations can cause significant damage, but different policies cover them. Without the appropriate coverage, homeowners may face unexpected out-of-pocket expenses for damage they assumed was protected.
Why Flood Insurance Matters in Texas
Texas is no stranger to flooding, whether from hurricanes or sudden inland downpours. Standard homeowners’ insurance almost never includes flood coverage. If you live in an area prone to flash floods or rising water, obtaining a separate flood insurance policy is often essential. Even homeowners outside designated flood zones have experienced severe damage during recent storms.
It’s important to understand that while you might casually refer to water damage from an overflowing toilet or a forgotten running faucet as a "flood," these incidents are not considered floods in the insurance world. Knowing the difference can help you avoid costly misunderstandings and ensure you’re prepared when water rises where it doesn’t belong.
Contact Us
Protect your home and avoid surprises by learning more about flood insurance. Contact Shavano Insurance Agency LLC, serving San Antonio, TX, today. Our team is ready to help you understand your options and secure the coverage you need.
