Identifying effective tactics to prepare your home for a potential flood will safeguard both your property’s structure and stored possessions.

Flood Protection Measures

Implementing proper flood protection strategies will notably reduce the chances of needing to file a flood insurance claim. In instances where filing a claim becomes necessary, employed protection measures may restrict the overall damage suffered by your home and belongings.

Tackle Property Concerns

Initiate an inspection of your property to identify any drainage-related concerns. Your thorough check should include elements like fencing, walls, and underground plumbing. Water pooling can damage your land and items within your home significantly. Address these concerns promptly, repairing any compromised structural elements.

Inspect Interior Parts of Your Home

An internal inspection of your residence is equally vital. This check will assess the interior structural material conditions and the security of indoor-stored items. An effective strategy post-inspection could involve upgrading windows, doors, or other structural materials to prevent water infiltration

Safeguard Your Valuables

Develop a storage plan to protect valuable possessions from rising floodwaters. Items of value should be stored in a waterproof safe or container on the upper level of your home. Your flood insurance policy should ideally cover these valuable possessions.

If you have reservations about the amount of flood insurance coverage you require, get in touch with an ACU Insurance Services agent today. Representatives are on standby to assist residents of League City, TX.

Protecting Your Newly Purchased FarmLand

If you have recently acquired farmland, here are several strategies to protect your property from potential damage and theft. Once your land has been prepared, contact our agents in League City, TX, for the seamless preparation of your insurance documents.

Property Assessment

An appraisal can determine the current value and dimensions of your property – vital information when purchasing an insurance policy that will offer sufficient protection for your land.

Land Grading

Grading your land removes surface inconsistencies. This process could prevent rainwater from pooling, thus reducing the risk of floods.

Soil Care Practices

Soil conditions on your property may need modification. For instance, if the soil isn’t adequately aerated, it could impact the drainage capabilities of your land, which can be rectified through soil aeration or compaction. Should there be any holes on your property, they can be filled using topsoil.

Installation of Drainage Materials

New drainage materials may be necessary if any drainage problems have previously been detected. Just installing perforated drain lines, gutter sections, and other such materials to steer water away could lessen the impact of rising waters. Consequently, these materials can protect your home and land from unexpected floods.

Contact ACU Insurance Services

Reach out to one of our ACU Insurance Services agents in League City, TX, today for an inquiry about flood insurance coverage. Our agent will prepare your insurance policy and ensure you’re well covered.

When the going gets tough, get up and get out of there! There’s one sure way to survive a flood, and that’s to leave before the flooding starts. You may get some warning if your area is going to be flooded, particularly if the reason is an oncoming hurricane. In this case, evacuation may be the intelligent thing to do. An even smarter thing to do is to know how to evacuate before you need to evacuate.  

Before You Go

First, make a plan. Where will you go, and how will you get there if you need to evacuate? Find out what shelters are available. If a motel, friend, or family member’s home is available, make that part of the plan. If you have a pet, will they be accepted? Get familiar with alternate routes and any other means of transportation to get out of your area. If you live with other people, make a plan where to meet should you get separated. Assemble supplies for a bug-out bag. Keep your car gassed up and keep an emergency kit in it.  

On the Go

Leave before things get too serious. If you have time, you can close and lock all the doors and windows before you go. Unplug the electrical equipment and shut off water, gas, and electricity. FEMA has an app that will tell you where the local shelters are. A battery-powered radio will keep you in touch with the news and evacuation instructions. Dress for the weather. Keep in mind that any shortcuts may be blocked. Follow recommended evacuation routes and keep an eye out for hazards on the road. Do not drive in flooded areas. Keep safe so you can eventually come home. 

ACU Insurance Services Serving League City, TX

If you need flood insurance and are in the League City, TX area, please get in touch with ACU Insurance Services. We’re here to help. 

Whether you live in a flood-prone area or not, having a flood insurance policy in place is not a bad idea these days. You never know when a downpour or thunderstorm will occur and flood the basement area of your home or, worse yet, the upstairs portion of your home. Our agents at ACU Insurance Services serving the League City, TX area also know and understand that Texas is no stranger to hurricanes and water surges.

It would be best if you kept in mind that most home insurance policies do not cover flooding or earthquakes. This is why flood and earthquake insurance is available for people to add to their original home insurance policy.

Flood Insurance Policy Coverage

Most flood insurance policies are obtained through your agent and the National Flood Insurance Program (NFIP). There are normally two parts to your flood insurance policy. One of those is the part of the policy that covers the structure of your home and outbuildings if they are damaged or destroyed by flooding. The other piece to your flood insurance policy will cover your personal belongings and other items, such as clothing, electronics, appliances, furniture, and other things. Some flood insurance policies will even help you cover the expenses of living in another location while your home is repaired after a flood has occurred.

Contact ACU Insurance Services

Remember that it is better to be safe than sorry, so even if you think you do not need a flood insurance policy right now, you still may want to consider one. Contact our agents at ACU Insurance Services serving the League City, TX area today and get your flood insurance policy started and have the peace of mind that comes with it.

With over 3,000 League City residences in FEMA’s Special Flood Hazard Area (formerly known as the 100-year floodplain), all community members should recognize the value of flood insurance. But how much flood insurance do you need? This article helps answer that question, but your needs are unique, so contact the team at ACU Insurance Services, serving League City, TX, for advice on the best flood insurance for your needs.

Flood Insurance Policy Needs

Homeowner’s and renter’s policies do not cover flooding from water entering from outside your home, so flood insurance is needed for those damages.

Also, if you have a mortgage and live in certain areas, you may be required to have a minimum amount of flood insurance, but the minimum amount may not meet your needs. Instead, homeowners should have enough flood insurance coverage to rebuild their homes and replace their possessions if the worst happens. 

Our team at ACU Insurance Services can help you determine your home’s rebuild cost and the replacement cost of your possessions. Since policies often limit reimbursement by category, you should consider policy riders to cover your household’s artwork, collections, or other out-of-the-ordinary items.

The National Flood Insurance Program (NFIP) helps keep flood insurance policies affordable but limits coverage to $250,000 for the home and $100,000 for possessions. NFIP also does not cover additional expenses incurred if the damage displaces you from your home, so you may need private insurance to meet your requirements.

Remember, none of us controls whether a flood might affect our homes, but we can protect our families against the financial effects of a flood.

Working with ACU Insurance Services

ACU Insurance Services proudly serves League City, TX, and has experience dealing with flood insurance policies. Call us or stop by today to discuss your flood insurance options, and we will help you find the best policy for your family.

To make the best insurance choices, you need accurate insurance information. At ACU Insurance Services, serving League City, TX, and the surrounding areas, we aim to help clients understand the difference between insurance facts and myths. Let’s look at a few myths surrounding flood insurance. 

Myth- Flood Insurance Is Included In All Homeowner’s Policies

This is not the case. Most homeowners’ policies do not cover naturally occurring flooding. Most policies will cover interior flooding resulting from plumbing problems or appliance issues. This is a very different type of flooding from naturally occurring flooding, which takes place outside the home and is often the result of a weather event. 

Myth- Everyone Needs Flood Insurance

This is also not true. Many homeowners live in areas with such a minimal risk of flooding that it is not even recommended to carry flood insurance. However, the only way to determine if you fall into this category is to sit down with an insurance expert who can discuss your actual flood risk for your area. These professionals will have detailed and up-to-date data concerning flood risks for different properties. 

Myth- Renters Arent’ Eligible For Flood Insurance 

This is untrue. Renters can and should purchase flood insurance to protect their personal belongings housed in a rental property. This is especially true if you rent in an area with a high flood risk. 

To learn more about flood insurance, please get in touch with us at ACU Insurance Services, serving League City, TX, and the surrounding areas. We will be happy to answer your questions today. 

Does League City, TX flood? 

League City, TX is located on the sunny Gulf Coast, where citizens can enjoy boating, beach days, and more. However, like many coastal cities, League City is prone to flooding. Hurricane-related floods pose severe risks to properties along the coastline.

Storms like Hurricane Harvey, which devastated Galveston County in 2017, are an unfortunate but unavoidable risk of living close to the Gulf’s warm waters. 

How can League City residents protect their homes from flooding?

While nobody can control the weather, residents can take steps to protect their homes.

• Make copies of any critical documents in your home, including your deed, and keep them in a “go bag” to be prepared for an evacuation.
• Seal all basements, windows, and doors during the dry season against water. 
• Water can enter your home through broken windows. Use precut, heavy plywood to cover windows before the storm strikes.
• Sandbags can help stop several feet of water. If you have time before a storm, lay sandbags to keep water away from entryways. 
• When evacuating, turn off all water, gas, and electricity to your home at the main switch. This reduces your risk of electrical fires and gas leaks. 
• Invest in flood insurance from a reliable firm, like ACU Insurance Services. Our policies can help protect your investment should flood damage occur. 

While the steps above can help you protect your property, listening to government-issued warnings is essential. Follow evacuation orders when severe weather strikes. 

Can flood insurance help protect homeowners? 

Flood insurance is the best way to cover your investment when facing unpredictable weather conditions. While some areas may not be eligible, League City has made strides toward making flood insurance more accessible to homeowners. Starting April 1, 2021, homeowners may qualify for specific savings if they live in a Special Flood Hazard Area (SFHA).

Preparing for floods can be stressful, but protecting your property doesn’t have to be. At ACU Insurance Services, our League City, TX agents can help. We understand local ordinances and can explore your options for protection. Reach out to ACU Insurance Services today to learn more.

A flood can cause extensive and costly damage, and that can happen at a surprisingly fast rate. Floods can damage buildings and everything in them. Any water damage can quickly lead to mold developing, which harms buildings, belongings, and people’s health. Thankfully, there is flood insurance through companies such as ACU Insurance Services. That type of insurance can cover some of the damage from floods. Here is why you need flood insurance.

Separate from Homeowners’ Insurance

A standard homeowners’ insurance policy does not include flood insurance. Thus, it would help if you had a separate flood insurance policy.

Unpredictable Nature of Floods

Floods can happen suddenly and unpredictably. There is often no warning that they will happen. Thus it is essential to be prepared ahead of time, including having flood insurance well before floods hit.

Local Risk of Floods

There is a high risk of floods throughout much of Texas and the surrounding region. That region includes the entire Houston area and League City, TX. Hurricanes, tropical storms, and other storms bring heavy rain and flooding.

Quicker and More Complete Recovery

Having flood insurance means you can recover more quickly and completely after a flood strikes. This is another reason why you need flood insurance.

Required Insurance for Some

Homes and businesses in some areas whose mortgages are through certain companies may require flood insurance. If you are in that category, then you should look into getting flood insurance as quickly as possible.

You probably now see why flood insurance is so important. In addition to the coverage it provides, it also offers much-needed peace of mind. Please get in touch with ACU Insurance Services serving League City, TX for more information about your individual flood insurance needs.

Flooding is one of the most common natural disasters in the United States. According to the National Flood Insurance Program, floods occur in all 50 states and can cause billions of dollars in damage each year. Unfortunately, some of this damage occurs in homes that are not insured against floods. ACU Insurance Services in League City, TX provides this guide in navigating this important coverage.

Does Homeowners Insurance Cover Flooding?

While homeowners insurance policies typically cover wind damage and hail damage, they often exclude flooding. This means that if a flood damages your home, you will likely have to pay for the repairs out of your own pocket. But before looking at flood insurance, it’s important to understand what home insurance covers.

Home insurance, also known as hazard insurance, is a type of property insurance that protects your home from damage caused by fires, storms, and hail. It also covers damage caused by vandalism and theft. Home insurance policies typically have two parts: coverage for the structure of your home and coverage for your personal belongings. It also protects you from liability if someone is injured on your property.

For most people, home insurance is a necessity. But if you live in a high-risk area for floods, you may want to consider purchasing flood insurance. Flood insurance is a type of property insurance that covers your home and belongings from damage caused by floods. It is important to note that flood insurance is not typically included in homeowners insurance policies.

However, some insurers offer flood insurance as an add-on to their homeowners’ insurance policies. This means that you will have to pay an additional premium to add flood coverage to your policy. But did you know that it’s not only people who live in high-risk areas for floods who need flood insurance? Floods can occur anywhere, and even a small amount of water can cause significant damage to your home.

Contact Us Today

As you can see, home insurance is a vital part of owning a home. If you live in an area that is susceptible to flooding, be sure to purchase flood insurance to protect your investment. ACU Insurance Services offers home insurance policies for homes in League City, TX and the surrounding area. Give us a call today to learn more about our coverage options.

At ACU Insurance Services, serving League City, TX, we want you to fully protect your business and your home so you protect your financial investment. Just as you don’t automatically get flood protection in your home insurance, your business doesn’t automatically come with flood protection in your commercial insurance policy.

You can purchase flood insurance for your business, though, just as you can for your home. You get the same options:

• Contents only
• Structure only
• Contents and structure

Which do you need?

You only need content coverage if you lease your office or commercial space. This type of policy protects your business equipment, stock, and any employee’s personal property.

If you own the building, whether you and your business occupy it or lease out its space to other companies, you need structure insurance coverage. This type of flood policy insures the building against damage.

If you own your building and occupy it with your own business, purchasing a contents and structure policy provides the best solution. With this option, you protect both the physical structure of your business’s building and the equipment and stock inside it.

Essentially, you can think of a contents-only policy as the renter’s insurance of flood policies. Whether you purchased a full building or just an apartment, condo, or floor, you’d purchase a structure or contents and structure policy.

Contact ACU Insurance Services today to learn more about protecting your League City, TX business with flood insurance. Let us help you add flood coverage to your existing commercial insurance coverage. Call us today.