Discerning The Damage A Flood Could Do

April 24, 2015

Do You Know Your Risk For Flood Hazards?

Each time the country experiences a major flood, news crews are there to show us the damage. We see cars swept away, houses covered by water, and trees ripped out of the ground. Even if you do not live in an area where risk of flooding is high (i.e., a designated flood plain), heavy spring showers do bring the opportunity for rising waters.

When you are considering your specific risk for flooding, there are a few factors you should take into account:

• Duration: If your area experiences flooding, how long would the water stay there? Is the surrounding land sloped in such a way that you could expect the waters to remain for a longer period of time, doing more damage?
• Velocity: Will your flooding come from a nearby river or creek? If so, you can expect the waters to move quickly, increasing the hazard.
• Condition: If your area floods, fast-moving water will likely be carrying all kinds of debris, increasing the likelihood of damage.

Standard homeowners insurance policies do not contain protection against a flood. If these factors lead you to believe a flood could be possible in your area, consider carrying a flood insurance policy.

If you are looking for a flood policy to add to your existing homeowners insurance or business insurance, contact Central Insurance Agency in Austin. We know the specific risks for flooding throughout Texas and here to help you get the protection you need to stay anchored even in the face of rising waters.