Flood insurance is becoming more important by the day. The weather has become increasingly unpredictable, generating powerful unexpected windstorms, rainstorms, floods and more. Even if you don’t live in a neighborhood prone to flooding, flood insurance is still worth considering. However, you might not know what flood insurance actually covers.

The Heydari Financial Group has all the information you need.

The Extent of Flood Insurance

Chances are your home has an attached or detached garage. Does flood insurance cover that garage? Building property flood insurance covers the house from the foundation up to the roof including attachments.

However, building property flood insurance does not cover detached structures. As such, a separate policy is necessary to cover detached structures in Houston, TX. However, there are some exceptions in which policies extend coverage to detached structures including garages.

Review Your Flood Insurance Policy Today

If you have flood insurance, read through your policy details today. A thorough understanding of flood insurance exclusions prior to a disaster has the potential to save you thousands of dollars. The language of your policy might state that your detached garage is covered to a limited extent or not at all. Moreover, the policy might contain language about coverage for detached garages that excludes other detached structures such as gazebos, sheds and other disconnected structures.

If you haven’t obtained flood insurance for your property, do your due diligence beforehand when speaking with the Heydari Financial Group. Let the insurance agent know about your property’s attached and detached structures, ensuring each is accounted for when determining coverage and quote.

Heydari Financial Group is on Your Side

Are you considering flood insurance or another form of protection? The Heydari Financial Group is here for those who live and work in the greater Houston, TX area. Give us a call today to learn more about your insurance options.