As we enter the peak of hurricane season, it’s a critical time for Central Texas homeowners. While we may not face the direct impact of storm surge, our location in "Flash Flood Alley" means the remnants of a tropical storm or hurricane can bring the single most dangerous threat to our homes: catastrophic flooding.

Preparation is the key to protecting your biggest investment. This isn’t just about having batteries and water; it’s about ensuring you have the right financial protection in place before a storm ever enters the Gulf.

Step 1: Conduct an Insurance Review Now

Don’t wait until a storm is forecast. There are two critical items to check on your home policy immediately:

• Flood Insurance is Separate: Most homeowners are shocked to learn that standard homeowners insurance policies do NOT cover damage from flooding. This protection must be purchased as a separate flood insurance policy, which typically has a 30-day waiting period. You cannot wait to buy it when a storm is approaching.
• Know Your Wind & Hail Deductible: Many Texas policies have a separate, higher deductible for wind and hail. Understanding this number now will prevent surprises during a claim and help you budget for potential out-of-pocket costs.

Step 2: Create a Home Inventory

If you do need to file a claim, proving what you lost is essential. A home inventory is the best way to do this. Simply walk through your home with your smartphone and record a video of your belongings, paying special attention to electronics, furniture, and valuables. Store this video in the cloud so you can access it from anywhere.

Step 3: After the Storm Passes

If your home sustains damage, the steps you take next are crucial for a smooth claims process.

• Stay Safe: Do not enter a flooded home or go near downed power lines.
• Document Everything: Before you move anything or make repairs, take extensive photos and videos of all the damage.
• Call Your Agent Promptly: Your agent is your first and best resource. Call them as soon as you can to start the claims process.
• Mitigate Further Damage: Make reasonable temporary repairs to prevent more damage, like putting a tarp over a damaged roof. Keep all of your receipts.

Your Local Partner in Preparedness

The key is proactive protection and having the right insurance partner who understands the local landscape. As your neighbors, we’re here to help you review your current homeowners and flood policies to make sure you are ready for whatever the season brings.

Contact San Marcos Insurance Agency today for a comprehensive review of your homeowners policy.