Your business is your livelihood, so you want to make certain that you have all of the right insurance policies in place to provide you with coverage if a disaster ever strikes. There are many different types of risks that you face when you own any type of business. One type of risk that is often overlooked by business owners in League City, TX is flood insurance.

You are hearing about flooding more and more often on the news these days. Many times, a flood strikes with little to no notice. Depending on the location of your business, it may be essential to include flood insurance in your commercial insurance policy. The agents at ACU Insurance Services are happy to talk to you about the options that are available and whether or not you should include flood insurance coverage in your business policy.

What Does Flood Insurance Cover?

In general, flood insurance is designed to cover damage to both your building as well as its contents that is caused directly by natural flooding. This includes water that comes from a variety of causes, such as:

• Broken dams
• Blocked storm drains
• Melting snow
• Storm surge
• Rain
• Overflowing streams or rivers

To be considered a flood, the waters must cover a minimum of two acres or flood at least two different properties.

Coverage for your building will most likely include replacing or repairing things like damaged water heaters, electric systems, or air conditioning. The contents on the inside that may need replacing can include things like merchandise, inventory, and machinery, depending on the type of business that you do.

If you are in the League City, TX area and you would like to find out more about flood insurance for your business, please contact ACU Insurance Services today. Our agents are standing by to answer your questions.

One of the purposes of insurance is to offer protection against catastrophes, including floods. However, there are a lot of myths circulating concerning flood insurance. ACU Insurance Services offers flood insurance for people residing in League City, TX. Floods are a common disaster and even if you don’t live in a high-risk area, getting flood insurance is highly advisable.

Here are some of the most common myths about flood insurance

Only People Living in Flood Risk Areas Should Get Flood Insurance

Some people have been misled to believe that only people in very high flood risk areas should get flood insurance. That should not be the case. You should take this insurance even if your area is low or moderate flood risk.

Flood Insurance Is Included in Homeowners’ Insurance

Some people assume that with their homeowner’s insurance, their home is covered against floods. This is not always the case. Many insurance providers consider floods a gradual event rather than a sudden one and don’t compensate you in case of floods occur.

You Can Only Get Flood Insurance If You Are a Homeowner

You don’t have to own a home to get flood insurance; renters also get these covers to protect their possessions in case of a flood.

You Should Wait for The Rain Season to Buy Flood Insurance

You don’t have to wait until the rains come to get flood insurance. One of the reasons for this is that you’ll have to wait for some days after taking flood cover for it to become effective. If there is flooding during this period, the insurance won’t be of any help.

Preparation is key in dealing with potential damages from floods. It’s crucial to understand that floods can occur anywhere, and the only way you can protect your property is by getting flood insurance. ACU Insurance Services serving League City, TX offers flood insurance. Call us to learn more about our plans.

Floods have been known to cause significant damage in the US, and one of the states that are affected by major flooding is Texas. And while this is a situation that a homeowner cannot prevent, you can get flood insurance to minimize the financial loss you might experience in such cases. Most people assume that renters insurance and home insurance cover floods, which is not true. Without insurance, you would cover repair costs by yourself, which costs you money and time. However, to make it easy for you, ACU Insurance Services serving League City, TX takes you through what is covered by flood insurance.

The Building

Building property coverage helps protect the actual structure of your home plus the foundation and other structures. This can include the stairs, a built-in bookshelf, and kitchen cabinets. In addition, appliances like washing machines, heat pumps, dishwashers, water heaters, air conditioning, plumbing, and electrical systems are also covered.  

Personal Contents

With personal content coverage, your personal property will be covered when affected by floods. Some of these items include small kitchen electronics, décor, dryers, toys, shoes, and clothing. Personal valuables such as art pieces are also covered in personal content coverage if the policy allows. However, note that flooding exclusions might take effect when contents are stored in the basement, as most flood policies do not protect content in this area.

Other Coverage

There are events covered by flood insurance, yet they are not precisely floods. For instance, mudflow and groundwater seepage that causes damage to various homes can be covered here.

Living in areas prone to flooding can be stressful if you do not have flood insurance, as you are constantly worried when you hear a storm is approaching. Here at ACU Insurance Services, serving residents of League City, TX want to ensure you enjoy peace of mind. Call us today and we will help you with purchasing flood insurance to protect your home and its contents.

Floods are one of the most prevalent natural calamities and can cause unspeakable property damage. Even though your house is located in a low flood-risk area, you aren’t 100 percent safe. Statistics show that about 25% of all flood insurance claims in Texas are from residents residing in low to moderate risk areas!

 Are you concerned that your household may not be protected against floods in League City, TX? Contact our agents at ACU Insurance Services offices, who will assist you in landing an outstanding insurance coverage matching your needs and budget.

Is flood insurance mandatory in Texas?

Texas doesn’t require homeowners to carry flood insurance. However, if your property is located in a high-risk flood zone, you might need to procure coverage as a condition of your outstanding mortgage. Since typical home insurance doesn’t cover flood-related damages, all Texans should safeguard their homes with a separate flood insurance coverage.

Flood insurance coverage options 

There are two types of flood insurance coverages. They include: 

Building property coverage

This coverage protects the dwelling itself. It covers the physical structure and its:

• Furnace and central air conditioning
• Plumbing and electric systems.
• Built-in appliances like refrigerators and dishwashers
• Permanently installed carpeting, paneling, cabinets, bookcases, and wallboard
• Foundation
• Detached garage

Personal property coverage

It covers personal belongings (contents) in the building, including: 

• Portable appliances
• Clothing
• Furniture
• Electronics
• Curtains
• Freezers and foods inside them

Ultimately, whether flood insurance is mandatory or not, you need to purchase coverage since no one is entirely safe from flood damage. 

Buy flood insurance today!

Are you familiar with flood insurance coverage in League City, TX? It’s prudent to check your policy wording carefully before purchasing your policy and ensure you comprehend what flood insurance covers. If you need more information, please connect with ACU Insurance Services today for assistance.

Flood insurance is a necessity for some homeowners, but what should you be aware of when buying it? Even if your house isn’t in an area that’s usually prone to flooding; there are still risks. Flooding can happen anywhere at any time, which is why it’s best to be prepared by purchasing flood insurance. Here are three things you should be aware of before you buy flood insurance:

You’ll need to know your home’s elevation and how close you are to any water source 

The elevation of your house will help determine your chances of flooding. If it is very low, then the chances for flooding are high. The proximity of your home to nearby lakes or rivers can put your house in flood zones which you should be aware of.

It can be a lifesaver in the event of an unexpected flood 

The act of flooding can be surprisingly common even though we don’t often hear about them–in fact, floods happen every year on average but most go unreported or unnoticed. With good preparation beforehand combined with a solid flood insurance plan you can protect your home and loved ones when disaster strikes.

The cost of flood insurance will vary depending on where you live

The cost of flood insurance can vary depending on where you live, so do your research before purchasing coverage for your home. Some factors to consider are the number of days a year that typically see flooding in the area and what type of construction is used near or around the property. The best way to find out how expensive it will be will depend on asking the right agent who specializes in this kind of coverage. If you are interested in getting help with flood insurance in League City, TX, contact ACU Insurance Services today.

When you are in the League City, TX area there continue to be a lot of great reasons to own a home. If you are interested in being a property owner in this area of Texas, getting the right insurance in place is very important. One responsibility that all people will have when they purchase a home here is to get flood insurance. There are a few reasons why you will need to get a flood insurance plan when you are here in Texas.

Insurance is Needed to Protect Home

A reason that people here will want to have flood insurance is that it is needed for them to protect their property. If you have a base home insurance plan, the flood coverage you receive can be limited. If you are concerned about the risk of flood in your area, getting a full flood policy can be a good option as it will ensure you are covered. 

Lender Requirement

You may also be obligated to get a flood insurance plan if your lender requires it. All lenders will run searches to see if your home is in a high-risk zone. If you are at a higher risk of flood damage your lender will want you to get proper insurance to mitigate the risk. This will usually include requiring you to get flood insurance. 

If you would like to get a flood insurance plan in the League City, TX area, it would be wise for you to call ACU Insurance Services. The team with ACU Insurance Services understands how valuable this coverage is and they can help you determine if you should get coverage. The team is able to do this by assessing your options and needs and giving guidance to build a policy that works for you. 

Flooding is a disaster no one wants to experience in League City, TX. And it can come out of nowhere. Water is unpredictable, taking the path of least resistance, and it’s possible your home could one day be in that path. If you were to suffer a flood, chances are your home and its contents would be damaged. Don’t panic, however, just get everyone to safety, and then you can start the process of cleaning up. Here’s what to do.

1. File a Flood Claim

The very first thing you’ll want to do is submit a claim with your insurance agency. They typically get this done quickly so you can move onto the next step. It’s important you do this first so you have the funds to recover from the damage. 

2. Call a Water Damage Restoration Company

After submitting your claim and knowing your deductible, you’ll be able to start taking quotes from reputable water damage restoration companies. These professionals will empty your home of water and get to work repairing any water damage. It’s a good idea to start emptying your house out of those things that were destroyed and can not be replaced, but which your insurance may cover.

3. Replace Ruined Items

For those items that were destroyed in a flood and which your insurance does cover, it’s now time to go shopping to replace them. Chances are a flood would ruin couches, electronics, art, and more.

To learn more about securing a flood insurance policy in League City, TX, contact ACU Insurance Services, serving this area. Our reputable agents are standing by ready to take your call and answer all your questions.

Mold is a silent force that can manage to spread in a home without detection. If you’re in Houston or League City, TX, and want to learn more about how you can protect your property from harmful water damage, ACU Insurance Services has a few facts that you should keep in mind before you decide which policies to get. 

The Nature of Flood Insurance 

Flood insurance is not required in your city, but many homeowners don’t want to take the chance. Although you are technically allowed to opt-out of this coverage, consider the fact that many flood claims are filed in neighborhoods that were in no way considered high-risk. Unfortunately, it only takes a little excess water to cause a lot of problems for property owners. 

Does It Cover Mold?

Flood insurance may cover mold, if the property owner can prove that the mold was a direct cause of a covered event, such as a thunderstorm. The problem is that mold can be difficult to prove, primarily if the mold has spread throughout the home. If you have flood insurance, the standard advice is to stay on top of your home inspections. The more you’re keeping an eye out for any potential signs, the faster you’ll catch it. If you can get to a small infestation immediately, it’s more likely that your insurance will cover it. 

If you have questions about how flood insurance can help you protect your home from mold in League City, TX, ACU Insurance Services is here to help. From home to flood to umbrella insurance, we can give you the suggestions you need to start making better decisions for your investments. Being aware of the options is the first step, so contact us today to learn more. 

When it rains, usually, it pours, and the results can be quite devastating. 

Flood insurance is the type of coverage not found in most standard homeowners insurance policies. It was created to protect the home and the owner’s personal property from every type of flooding (coastal, river, flash, or groundwater) that occurs. 

What is Flood Insurance?

Floods are the most common natural disaster in the United States today. Often, the results are record numbers in damage following each storm. Flood insurance provides additional coverage to an already existing homeowner’s policy. Usually, standard coverage includes damage from bursting water pipes and leaky faucets inside the home. Still, homeowners insurance will not protect a policyholder from damage that occurs by a nearby river overflowing or unexpected flash floods that forces water into the house. It’s why the federal government implemented flood insurance to assist homeowners in rebuilding or replacing their homes or personal items after a natural disaster. 

Homeowners in all 50 states have the opportunity to purchase flood insurance from the National Flood Insurance Program (NFIP) that is administered by the Federal Emergency Management Administration (FEMA). Currently, these programs provide 95 percent of all flood insurance policies in the marketplace today. FEMA doesn’t sell flood insurance directly, but the federal agency works with several companies like ACU Insurance Services of League City, TX who offer flood insurance coverage to local homeowners. 

How Flood Insurance Works?

All homeowners can buy flood insurance as it doesn’t matter whether you live in a FEMA deemed high-or-low-risk flood zone area. This includes homes that reside near hillside property as they can be damaged by mud-sliding from a violent rainstorm. Flood insurance covers the cost to rebuild the home or pay out the actual market value of the home if the structure is no longer standing. The price for personal items will be based on a cash value that will be determined by an appraiser.

No home is completely safe from flooding. When water comes into the house, the cost of the damage can be staggering to a homeowner. Speak with a representative from ACU Insurance Services of League City, TX to discuss the advantages of having flood insurance on your home. Don’t wait until it’s too late. 

As flood events increase across the Lone Star State, many homeowners are looking into purchasing flood insurance. By learning the facts about flood coverage, you can get the protection you need and avoid costly mistakes when purchasing your policy. At ACU Insurance Services in League City, TX, we’ll provide you with accurate flood insurance facts and dispel any myths that can keep you from getting the flood protection you need. 

Myth: Standard home insurance covers flooding.

Fact: Homeowner’s insurance doesn’t cover flood damage, especially floods caused by rising river or ocean waters, snow melts, hurricanes, etc. For flood damage protection, you need a separate flood insurance policy.

Myth: Only major floods cause extensive damage to a home.

Fact: Even a few inches of flood water can devastate a home’s structure, not to mention ruin its contents. Flooding can destroy your clothes, furniture, home appliances, electronics, and other personal items, leaving you to foot the bill for tens of thousands of dollars worth of damage. Flood insurance provides the financial means to help you recover from a flood disaster.

Myth: Flood insurance is only for people who live in a high risk flood zone.

Fact: Flood insurance is for any homeowner or renter who wants or needs it, whether you live in a flood zone or not. Flooding has become so common across the country that 25% of flood claims are from people living outside a flood zone. With flood coverage, you can be prepared for any eventuality. 

Myth: Flood insurance is extremely costly.

Fact: Flood insurance is surprisingly affordable, especially if you live in a moderate to low risk flood area. Taking into consideration the devastating effects that a flood can cause, a flood insurance policy is well worth the cost.

For flood insurance coverage to protect your Texas home, contact ACU Insurance Services in League City, TX today.