Are you in need of Pearland Texas flood insurance? It is incredibly important to purchase flood insurance from an agency that works with the National Flood Insurance Program. This FEMA program comes with major benefits, including impressive coverage.
Our insurance agents are ready to help you understand your options and make the choice that best protects you, your family, your home, and your valuables. Call our Pearland office at (281) 993-8384 for more information.
Meet Our Agents
Certified Insurance Counselor Roland Cardner has been in the insurance business since 1997. From 1997 – 2007, Cardner was an insurance agent for Allstate Insurance Company.
In 2007 he sold his agency and went back to school. He earned his Managing General Agent License in 2009, then re-entered the insurance field as an Owner and Agent at Texas Insurance Agency.
Before this, he had a very successful career in education, where he was a middle school science teacher. He also held the roles of high school coach and Assistant Principal for Curriculum and Instruction at the middle school level.
Our other Owner and Agent at Texas Insurance Agency is Jeffrey Fogleman. From 1994 – 1998, Fogleman was an insurance agent under his father’s Farmers Insurance Group agency.
He was so successful that in 1998 Allstate approached him, and he opened his own agency. In 2003 his father retired, and Fogleman purchased his agency.
In 2004 he decided to end his time with Allstate and begin his career as an independent insurance agent.
The National Flood Insurance Program
The Federal Emergency Management Agency, more commonly known as FEMA, has been working with insurance agencies across America to provide homeowners with quality flood insurance since 1968. This has been done through the National Flood Insurance Program or NFIP.
The National Association of Insurance Commissioners states that the NFIP covers up to $250,000 of flood damage done to the structure of your home and up to $100,000 of flood damage done to personal possessions.
Pearland Texas Flood Insurance
Though it is one of our more popular plans, the NFIP might not be the right fit for you. Our experienced agents will help you understand your options and find the plan to best protect you, your home, and your valuables.
At Texas Insurance Agency, we offer three main types of insurance: personal, business, and liability. Most plans, including home insurance, often do not include flood insurance.
The Insurance Information Institute ran a pool across the US and found that only 12% of US homeowners have flood insurance. The last major flood in Pearland occurred in June of 2001 during tropical storm Allison. This flooding damaged over 600 homes! By this national statistic, only 72 of those 600 families had flood insurance.
The average cost of flood damage is $40,000. Don’t wait for the next hurricane season or major flood, protect your investments today!
What Does Your Policy Cover?
It is important to know what your flood insurance policy covers. Most flood insurance policies will cover flood damage to foundations and support structures, HVAC systems, plumbing, electric systems, and carpeting.
Some policies also cover flood damage done to installed features like office bookcases and custom kitchen cabinetry as well. In some policies, 10% of your coverage can be applied towards a detached garage.
It is important to note that the NFIP does not cover damage from sinkholes or sewer backup. It also does not cover relocation costs or damage to detached property, such as cars.
What Most Policies Don’t Cover
Most policies do not cover damage caused by mold or mildew. Mold and mildew can begin growing within the first 48 hours of a surface becoming damp. This can lead to damage to your walls, roof, clothing, or furniture, but none of this damage is covered by most flood insurance plans.
Many policies do not cover flood damage done to currency, precious metals, or paper valuables. This can include stock certificates, gold or silver jewelry, or coin collections. You can purchase separate insurance policies for these items.
Damage to your outdoor property, including fences, landscaping, pools, and septic tanks is often not covered.
And finally, if your home is deemed uninhabitable, most policies will not cover your temporary living expenses.
5 Examples Of Flood Damage
- Structural Damage: foundation, flooring, walls, and roofing
- Electrical Damage: the wiring in your home for lighting, power distribution, wall-mounted telephones, internet, and thermostat or ventilation system controls
- Appliance Damage: heating, cooling, and ventilation systems as well as refrigerators, water heaters, ovens, stoves, and more
- Mold and Mildew: this can damage the building materials and structures of your home as well as your clothes and furniture
- Septic Tank Damage or Contamination of Drinking Water
Other Insurance Policies
While making plans to protect your home and valuables from potential flooding, it is important to consider your car or motorcycle and business as well. At Texas Insurance Agency, we offer plans for these three things and more. Call our knowledgeable agents today for more information on commercial or business insurance, motorcycle insurance, car insurance, or even boat insurance.
For more information about our policies and which could be right for you, call our Pearland office at (281) 993-8384. Our experienced agents are ready and waiting to help you find the best plan to protect yourself, your loved ones, and your investments. With everything from boat insurance to life insurance, we have the plan for you!
Floods cause massive amounts of damage across the US every year. From structural damage to the loss of appliances and the cost of displaced living, flood damage can quickly become incredibly expensive. The average cost of damage is $40,000!
Don’t wait for the next hurricane season, heavy rain, or flash flood. Hurricanes and minor flooding can both cause massive amounts of damage very quickly. Flood insurance helps you put the pieces back together as you move on in the aftermath. Only 12% of Americans make the smart choice and opt to invest in this important preventative measure. Will you trust us to help you find your place in that 12%? Call and invest in Pearland Texas flood insurance today!
Pearland Texas Fun Facts
- Pearland stretches into Brazoria, Fort Bend, and Harris counties.
- During 2010, Pearland ranked the 15th-fastest-growing city in the US.
- Oil was discovered in Pearland in 1934.
- For further information about Pearland Texas, look here!