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Allen, TX 75013

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Will flood insurance cover damage to the foundation of my home?

Your house’s foundation is the structural foundation of your home. Your home sits on top of your foundation. However, as time goes on, your foundation may crack and settle. Other things may also happen that affect the structural integrity of your home. Flooding is a natural disaster that can severely compromise your home’s foundation. Our  Allen, TX team of licensed and experienced agents at Texas Independent Insurance can help homeowners answer questions regarding their foundation in relation to flood damage.

What Does Flood Insurance Cover?

Flood insurance has the ability to create peace of mind because it covers a broad scope of different things. For example, flood insurance covers damage to your personal belongings, furniture, carpeting, cabinetry, electrical and plumbing systems, and much more. Best yet, flood insurance covers damage to your home’s foundation if the damage resulted from a flood. Homeowners should make a distinction between a foundation that’s been compromised due to flooding and one that’s sustained damage from age, wear and tear, and gradual settling. A flood insurance policy will only cover a foundation that was damaged as a direct result of a flood. 

Flood Insurance and Your Foundation

Fortunately, flood insurance will pay for the repair or replacement of your foundation if your foundation sustains significant water damage from a flood. A standard homeowners policy doesn’t provide this type of coverage for damage caused by flooding. This is one reason why people who live in flood zones opt to purchase flood insurance.

Contact Us Today

If you’re a homeowner who has questions about flood damage coverage, give us a call at Texas Independent Insurance. We’d be happy to answer all of your questions. Our Allen, TX team is committed to educating homeowners on the benefits of flood insurance. 

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