Despite San Antonio, TX, lying inland from the Gulf of Mexico, hurricanes and tropical storms that come ashore can drop tremendous amounts of rain in our area. Consequently, homeowners and businesses may experience flooding due to these excessive rains and damage from high winds. Shavano Insurance Agency LLC can protect you from such perils with the correct policies.
Low-Lying Areas More Prone to Flooding
Much of Bexar County, where San Antonio is located, lies in a flood plain. Even if your home isn’t located in a designated flood plain, you still risk flooding from heavy tropical storm rains, especially if you live near a river or stream. These waterways often overflow their banks after tropical storms, potentially endangering your home. In these cases, your homeowner’s policy won’t cover any damage caused by floodwaters. You must purchase a separate flood insurance policy. You may also want to consider hurricane insurance to protect yourself against excessive wind damage, particularly if your homeowner’s policy has a high deductible.
Read Your Homeowner’s Policy Carefully
Many homeowner’s policies cover damage caused by storms, such as missing shingles, roof damage caused by fallen trees, missing siding, broken windows, and water intrusion caused by exterior damage. However, due to the risk of tropical storms and hurricanes, your policy may exclude these perils if they arise from a tropical event. Carefully reading your policy will help you understand which perils are covered and what the deductible is. This will allow you to determine the additional coverage you need for your home.
To ensure you get sufficient coverage for tropical storm and hurricane damage, contact the agents at Shavano Insurance Agency LLC, serving the residents of San Antonio, TX. We will gladly assist you in setting up a policy that meets your needs.
