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Two distinct types of water and flood damage can occur to your home in Garland, Texas. As such, it’s important that you are adequately prepared for both. Although your homeowners' insurance policy would most likely cover flooding caused by a burst pipe (as long as it was not caused by your negligence in failing to fix a minor leak), flooding caused by hurricanes or tornadoes is not always covered. To make sure you’re covered against property loss from flooding, you’ll have to purchase a separate flood insurance policy. Here are some things you should know about flood and water damage in Garland, Texas:
The first thing you should do is make sure you’re adequately insured in the event of a flood. The Federal Emergency Management Agency (FEMA) has created maps that reveal areas that are particularly prone to floods. Since one in every four homes in the high-risk flood zones — also called a Special Flood Hazard Area (SFHA) — will flood over the term of a standard 30-year mortgage, residents of these areas are usually required by their mortgage lenders to have flood insurance.
Given that every metropolitan area in Texas is at risk of flooding, even residents of low or moderate-risk areas located outside identified floodplains are recommended to purchase flood insurance.
Again, the insurance rates are determined by the risk classification. For example, in the Garland area, both hurricanes and tornadoes may cause flooding. Depending on the lay of the land, the same neighborhood in the area can have different homes in each of the flood classifications and may have to pay different insurance rates.
If your home in Garland, Texas has been flooded, the first thing you should do is contact your insurance company. If there has been substantial damage in the area, hundreds of other homeowners may be filing claims for flood damage restoration in Garland. Therefore, the sooner you call, the higher you will be in the queue, and the sooner you can collect your payment.
Some other tips to keep in mind:
Alternatively, you can contract a Garland flood restoration company to handle the flood damage clean-up and restoration for you. Hiring a specialist will help you save time and money while still ensuring thorough work.
When it comes to home flood clean-up and restoration in Garland, Texas, you can count on Mr. Restore. For more than 50 years, we have provided immediate residential and commercial flood damage restoration services to residents in the Garland area, while taking special care to ensure that the property suffers no further damage.
To learn more about our exceptional flood repair and restoration services, call us or contact us online. We are available 24/7 for emergency services!
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