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Four flood insurance rules to follow

Flood insurance is a necessity for property owners in Granbury, TX. Let us meet your flood insurance needs at Texas Classic Insurance.

Homeowners need to follow a few key rules when they cover their homes for flood damage.

Here are four flood insurance rules to follow:

Understand any waiting period requirements

Flood insurance policies usually have waiting periods. You’ll probably have to wait a certain period of time after you purchase your policy before your coverage goes into effect.

It’s important to know what the applicable waiting period is when you buy a policy so that you fully understand the coverage you’re purchasing. 

Make a detailed inventory of personal belongings on your property

Having an inventory of belongings in your home is important if you ever need to file a claim after extensive damage. Flood insurance includes personal belonging coverage that can compensate you for lost possessions that are destroyed by flood damage. 

When you have a detailed inventory of personal belongings available, you are better able to determine how much personal belonging coverage you need your policy to include. 

Be aware of the flood risk in your area

Knowing how much flood risk you have in your area can help determine how much you should invest in flood insurance coverage. 

Get covered for additional living expenses

If there is a flood in your area, you may not be able to live in your home before extensive repairs are carried out. In this situation, it’s essential for your flood insurance to include coverage for additional living expenses so that you can stay in a hotel or find alternative lodging somewhere. 

Reach Out To Us

We’re here to answer any questions you have about flood insurance in Granbury, TX. Call us at Texas Classic Insurance to get a quote on a flood insurance policy. 

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Partner Carriers

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  • ASI
  • BuildersRisk
  • Dairyland
  • Foremost
  • Germania
  • Hagerty
  • Hippo
  • Homeowners of America
  • Kemper
  • MetLife
  • Mercury
  • Mission Select
  • National General
  • Nationwide
  • Neptune Flood

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