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people walking in flooded city

April Showers Bring Floods

April showers bring May flowers, so what do May flowers bring? Pilgrims!

That dad joke never gets old. Unfortunately, April showers don’t just bring May flowers. We all know the reality is that April showers in Texas bring floods, which can leave you and your loved ones swimming in storm water and potential financial troubles. Homeowners can easily get confused on what types of insurance cover different types of situations. For example, flood insurance does not cover damages incurred by a busted pipe or malfunction of hardware in the home. Flood insurance specifically covers damage incurred by waters from outside the home that creeps in during some type of outdoor flood. 

You might think, “Hey, it’s no big deal. I already have homeowner’s insurance, so I’m good!” 

Well, not exactly. Homeowner’s insurance covers many types of unfortunate situations, but not water damage incurred by outside forces. Don’t get caught in a bad situation because you thought you were covered with another type of insurance. Of course, you know you can count on your well-versed SOGO Insurance agent to help you decipher what coverage you currently have versus the type of coverage you need. You never have to worry about any holes in coverage when our qualified and professional agents are able to analyze the needs versus the policies available.

So, why are we even talking about floods if San Antonio isn’t Seattle?  According to the Federal Emergency Management Agency (FEMA), 20% of floods reported come from areas that are outside of areas that are classified as “high-risk,” meaning that a huge chunk of people in the United States never even saw their flood coming. Every generation of San Antonio resident knows that there has been at least one major flood in areas all around us within the last 5 years. This kind of flash flood is common enough that when we get an indication on our phone to use caution, we’re not even totally shocked. High water crossings are all around town and are often so full of rushing waters that we’ve all figured out our alternate roads home. 

Some Texans are so used to the high-water game, especially those that live along the rivers, creeks, and lakes. If you are one of those water-loving Texans in the San Antonio and Austin areas, you know that most mortgage lending companies actually require you to purchase a separate flood insurance policy before they will even sign the documents on your home. In this case, we can help you shop around and ensure you have the right coverage for where you live and what your flood statistics may be.

It’s needless to say how dangerous floods can be. The safety of our clients is always top priority, as material items can be replaced, so make a plan for the days that rainwater is intense. When the storm passes, no matter what happens to your home, we are here for you and will continue to serve our clients with the best-available policies for your specific needs. 

In case you missed it: Check out “New SA-area Restaurants to Try This Spring” to get a list of new delicious restaurants to try soon!