As referenced by the National Flood Insurance Program, all 50 states have experienced some type of flooding, and all homes and businesses can succumb to flood damage. Although traditional homeowner’s insurance does not include flood coverage, those who own property in a designated Special Flood Hazard Area or other area at high risk and who have a federally backed mortgage must purchase flood insurance. In fact, those who live in high risk areas are more likely to experience flood damage than fire damage during the course of their property ownership.
Houston, Texas Flood Property Damage Law
It only takes a few inches of water entering the home from a flood to cause tens to hundreds of thousands of dollars’ worth of damage. Homeowners with flood insurance provisions may cover a wide variety of damages including but not limited to:
- The cost to replace or repair the exterior of a home, including the foundation, frame, insulation, water barrier, sewage, and more
- The cost to replace or repair the interior of a home, including flooring, drywall, furniture, appliances, and more
- The cost to replace or repair a roof damaged in the flood
- The cost to replace or repair trees and other landscaping
- The cost to replace or repair major systems including plumbing, electrical, and HVAC
- The cost to replace or repair other structures on the property including garages, tool sheds, pools, etc.
- The cost to replace or repair any vehicles damaged in the flood
- The cost to replace or repair personal items left inside or on the property
- The cost to live outside the home while it is being repaired
Flood damage doesn’t necessarily come from hurricanes or other severe storms. It can also be caused by winter storms, snow melting, a backed up sewer system, and even light rain if the storm moves slowly enough. When flood damage does happen, it usually does to an entire neighborhood, city, and even county. In these cases, insurance companies tend to minimize the damage in order to pay out as little as possible per flood.
Our law firm is more than experienced in dealing with flood damaged properties and the companies that insure them. Our focus is to see that all damage is repaired and that all clients receive the funds to which they are entitled under their policy. If your property was damaged in a flood, contact Dax F. Garza, P.C. as soon as possible to discuss your case at no charge.