MORE ABOUT FLOOD INSURANCE

Most homeowners are aware that FLOOD INSURANCE is not a part of the standard Texas homeowner policy.

These simple points are mainly intended to be reminders rather than new information. 1. Flood insurance that is not mandatory, has a 30 day waiting period before it's effective date. 2. Endorsements such as replacement cost coverage do not apply to your flood policy unless the provider agrees to make it so. 3. If your mortgage company has a escrow account that pays your standard homeowners policy, it will not escrow for your flood policy if the flood insurance is not considered mandatory by the mortgage company.

Ask your agent about additional endorsements to be certain you have the necessary coverage.