Here’s what you need to know about flood insurance for hurricane season

HOUSTON — June marks the beginning of hurricane season, which suggests now’s the time to ensure you have every little thing so as.

That’s very true for flood insurance coverage, as a result of it takes 30 days for a brand new coverage to kick in.

In the event you stay in a delegated flood zone, flood insurance coverage is required.

However greater than half of the properties that flooded throughout Hurricane Harvey had been exterior that zone, in order that’s one thing consultants say everybody ought to think about.

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There are three large issues to remember when deciding on a flood insurance coverage coverage, based on the Texas Division of Insurance coverage: What it prices, what it covers, and the truth that there’s a wait.

The common flood coverage prices about $700 a yr.

In the event you stay exterior a high-risk flood zone, you possibly can often discover a federal coverage for lower than $500 a yr.

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These will cowl your house as much as $250,000.

You will have a separate coverage for belongings, which is one thing renters can get too.

Keep in mind that your insurance coverage coverage doesn’t go into impact instantly, as a result of there’s a 30-day ready interval. So for those who wait till there’s a storm approaching, it gained’t do you any good.

You may discuss to your house insurance coverage agent or go to floodsmart.gov to seek out an agent to speak about flood insurance coverage.

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