Flood damage can be expensive to repair,
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What is Flood ?

In simple terms, excess water on land that is normally dry such as
A) Overflow of inland or tidal water
B) Unusual and rapid accumulation or runoff of surface waters from any source or
C) Mudflow
General Guiedance on Flood Insurance Coverage
What is insured under
BUILDING PROPERTY coverage
  • The insured building and its foundation.
  • The electrical and plumbing systems.
  • Central air-conditioning equipment, furnaces, and water heaters.
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers.
  • Permanently installed carpeting over and unfinished floor.
  • Permanently installed paneling, wallboard, bookcases, and cabinets.
  • Window Blinds.
  • A detached garage(up to 10 percent of Building Property coverage), detached buildings(other than detached garages) require a separate Building Property policy.
  • Debris removal.
What is insured under
Personal Property coverage:
  • Personal belongings such as clothing, furniture, and electronic equipment.
  • Curtains.
  • Portable microwave ovens and portable dishwashers.
  • Personal belongings such as clothing, furniture, and electronic equipment.
  • Curtains.
  • Portable and window air conditioners.
  • Portable microwave ovens and portable dishwashers.
  • Carpets not included in building coverage (see above).
  • Clothes washers and dryers.
  • Food freezers and the flood in them.
  • Certain valuable items such as original artwork and furs(up to $2,500).

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Work with an Insurance Professional to Protect your Property and Belongings.

Flood Reviews

When I purchased my home in Onion Creek, Barry was fast and accurate with the policy quotes. When I sold my home, Barry made sure I received my refund in a timely manner. Barry handles all my personal and commercial insurance.

Savoy Reeder

When I purchased my home in N Austin, Barry saved me several thousand dollars compared to the quotes my lender sent me. Barry has always been fair and quick to respond to questions regarding my flood coverage. Barry knows more about the coverage and cost then my mortgage company.

Aaron Sleator

Several years ago I contacted Barry about my coastal property. He was able to secure my flood, wind, and hazard policies. While I live a few hundred miles from Barry’s office, he is always there for me. He is always quick to help.

Ramon Lopez

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