As a resident of Frisco, Texas, you’re no stranger to the unpredictable Texas weather. Storms and flooding can bring devastating damage to your home and community, leaving you feeling overwhelmed and unsure of what to do next. At Roger Welch Insurance, we understand the importance of being prepared for the unexpected. In this article, we’ll provide you with expert advice on how to deal with storms and flooding, as well as the crucial role that home insurance and add-on flood insurance play in protecting your most valuable assets.
Before the Storm: Preparation is Key
While it’s impossible to predict when a storm will hit, there are steps you can take to prepare your home and family for the worst. Here are a few essential tips to get you started:
- Create a Emergency Kit: Assemble a kit with essential items such as flashlights, batteries, first aid supplies, and a battery-powered radio. Make sure to include enough non-perishable food and water for at least three days.
- Secure Your Home: Trim trees and shrubs, secure outdoor furniture and decorations, and cover windows with plywood or shutters to prevent damage from high winds and flying debris.
- Stay Informed: Keep a close eye on weather forecasts and sign up for emergency alerts from the City of Frisco to stay informed about storm warnings and updates.
- Have a Plan: Develop a family emergency plan that includes a safe meeting point, evacuation routes, and a contact person in case you get separated.
During the Storm: Safety First
When a storm hits, your safety is the top priority. Here are some crucial tips to keep in mind:
- Stay Indoors: Avoid traveling and stay away from windows and doors during the storm.
- Unplug Appliances: Unplug appliances and electronics to prevent damage from power surges.
- Avoid Downed Power Lines: Never touch or approach downed power lines, and keep children and pets away from them.
- Follow Evacuation Orders: If ordered to evacuate, do so immediately and follow the recommended evacuation route.
After the Storm: Assessing Damage and Filing Claims
Once the storm has passed, it’s essential to assess the damage to your home and property. Here are some steps to take:
- Document Damage: Take photos and videos of damage to your home and property, including any destroyed or damaged items.
- Contact Your Insurance Provider: Reach out to your insurance provider, such as Roger Welch Insurance, to report the damage and start the claims process.
- Keep a Record of Expenses: Keep track of any expenses related to temporary repairs, such as tarps or boarding up windows.
The Importance of Home Insurance and Add-on Flood Insurance
Home insurance is essential for protecting your home and financial well-being in the event of a storm or flood. A standard home insurance policy typically covers damage to your home’s structure, personal belongings, and liability for accidents on your property. However, it’s crucial to note that flood damage is not typically covered under a standard home insurance policy.
That’s where add-on flood insurance comes in. Flood insurance provides financial protection against flood-related damage to your home and personal belongings. In Frisco, Texas, where flooding is a common occurrence, having flood insurance can be a lifesaver.
Why You Need Flood Insurance
Flood insurance is essential for several reasons:
- Floods Can Happen Anywhere: Flooding can occur anywhere, even if you’re not in a high-risk flood zone.
- Flood Damage is Expensive: The average flood claim is around $43,000, which can be financially devastating without insurance.
- FEMA Assistance is Limited: Federal Emergency Management Agency (FEMA) assistance is only available if the President declares a disaster, and even then, assistance is typically in the form of a low-interest loan.
Choosing the Right Insurance Provider
When it comes to choosing an insurance provider, it’s essential to work with a reputable and experienced agent who understands the unique needs of Frisco, Texas residents. At Roger Welch Insurance, we have years of experience helping homeowners navigate the complex world of insurance. Our team of experts will work with you to create a customized insurance policy that meets your specific needs and budget.
Conclusion
Storms and flooding can be devastating, but with the right preparation, insurance, and support, you can weather the storm and get back on your feet quickly. Remember to prepare your home and family before the storm, prioritize safety during the storm, and assess damage and file claims after the storm. And most importantly, don’t underestimate the importance of home insurance and add-on flood insurance in protecting your most valuable assets.
At Roger Welch Insurance, we’re committed to helping you navigate the complex world of insurance and providing you with the peace of mind that comes with knowing you’re protected. Contact us today to learn more about our home insurance and flood insurance options and to get a quote.
Texas Weather and its Unpredictability