junio 18, 2014
AgencyRemember to Buy Both Renters Insurance and Flood Insurance
As floods hit the United States this past spring, they served as a reminder to us all that it is important to invest in flood insurance. If you carry a mortgage on your home and live in a flood zone, you are most likely required to carry flood insurance by your mortgage company. Most homeowners who carry flood insurance […]
agosto 18, 2014
AgencyWhy You Should Get Flood Insurance
Fact: Everyone lives in a flood zone. In the past five years alone, every state in America has experienced floods and/or flash floods. With just a few inches of floodwater in your home, your day will be ruined. It wreaks havoc on your property that can cost tens or hundreds of thousands of dollars to […]
octubre 16, 2014
AgencyWhy Do Floods Happen?
We’re all familiar with the water cycle thanks to elementary science class teaching us that water travels from clouds, down to bodies of water and then evaporates back up to the clouds. But what happens when the hydrological system gets backed up or clogged? Those imbalanced conditions often lead to floods, which can cause extreme […]
mayo 4, 2015
AgencyCommon Home Insurance Myths Debunked
Numerous myths exist regarding home insurance policies. Unfortunately, these misleading myths can deter people from acquiring the coverage they actually need. Homeowners often assume they are adequately covered, only to find out they had incorrect information. By the time they learn the truth, it may be too late. Let’s debunk some common home insurance myths […]
octubre 24, 2017
AgencySteps to Recovering After a Flood at Your Business
Floods are very damaging to business structures. The water often creates a significant amount of damage to the structure itself. It can require mold remediation. After a storm, you may need help recovering from flooding. In some cases, your business insurance may help. Take some time to consider what to do after an event. Assess […]
abril 24, 2019
AgencyLive in a Low-Lying Area, You Might Need Flood Insurance
El Paso isn’t close to the Atlantic Ocean. It doesn’t lie in a particularly flat area, either. However, just because you might not think the terrain is high-risk, there is still a flood threat in the area. So, if you plan to buy a home, you might find out you need flood insurance? Why is […]
septiembre 2, 2021
AgencyUnderstanding Flood Insurance Exclusions
Flood insurance is an optional coverage designed to protect your home and belongings in case of a flood. You can often add this insurance to your home, renters or business insurance policy since floods are typically excluded from basic coverages. Unfortunately, even flood insurance won’t cover all water damage you may suffer. It is important […]
diciembre 3, 2021
AgencyStructure Coverage for Flood Insurance
Any home could flood, and those who live in areas that are particularly at risk of these disasters will often have to purchase a flood insurance policy. By contrast, their standard homeowners insurance will not cover their losses in most cases. Residents of flood zones designated as high-risk usually must purchase at least their foundational […]
mayo 17, 2022
AgencyWhat Homeowners Misunderstand about Flood Insurance
Many homeowners think that if they have home insurance, they’re covered against any and all damages. However, it’s important to understand what flood insurance can do for you—as well as its limitations—in order to determine if it’s worthwhile to add this coverage to your personal insurance portfolio. Below we discuss three common misconceptions about flood […]
septiembre 12, 2022
AgencyWhat Flood Insurance Covers
Many people think that since they do not live near an ocean or reside within a defined flood zone, they are safe from rising waters. However, because of how common flooding can be, it’s important for every household to consider the protection of flood insurance. Flood insurance (which is sold separately from homeowners or renters […]