Whether you live in a flood zone or just want to have extra protection from water damage, one of the options is to opt into flood insurance for your home. Understanding when you can use that coverage means knowing what types of events are covered under flood insurance.

Flash-Flooding

If your area experiences a high amount of rain in a short period, you could fall victim to flash-flooding. This means that you will get a lot of water really fast, and it could cause damage starting at the first floor and moving up.

Mudslides

Some areas will experience long-term rain, which causes mudslides in the area. When this happens, excess water gets washed into an area that might otherwise not flood, causing damage to the external part of the home. This can also happen when there is a land collapse from erosion and the water is strong enough to start washing parts of land away from the property.

Tropical Storms

These storms develop out of the ocean, traveling for hundreds of miles out in the ocean picking up speed, and can travel for miles inland. They will have severe flooding impacts due to the amount of rain coming in off of the storm and the wind coming with it.

Groundwater Flooding

Sometimes the water table beneath your home can start to flood, causing water to start rising from beneath the ground and onto the property. Groundwater flooding will start to cause damage to the foundation, and then move into the home until the water goes down beneath your home.

The damage to your home caused by these disasters can be extensive, which is why it’s a good idea to have flood insurance supplementing your main policy. If you’re in the League City, TX area, or surrounding communities, contact our team at ACU Insurance Services today for a personal quote.