In San Antonio, will flood insurance help me replace my home?

I live in San Antonio, Texas, and we were recently hit with some really severe flash flooding. A lot of my home and many of my belongings have been destroyed by water damage. Will flood insurance help me replace my home?

Answer
“I’m so sorry to hear about your home. Flash flooding can be devastating to deal with. Luckily, your flood insurance is designed to help you out in situations just like this.
If you have both building coverage and contents coverage—and all damage was a direct result of flooding—you should have very little to worry about.
Building coverage protects your:
  • Electrical and plumbing systems
  • Furnaces and water heaters
  • Refrigerators, stoves, and built-in appliances
  • Foundation, walls, anchorage systems, and staircases
  • Detached garages
  • Fuel tanks, well water tanks and pumps, and solar energy equipment
Contents coverage protects your:
  • Clothing, furniture, and electronic equipment
  • Washer and dryer
  • Air conditioner
  • Carpets not included in building coverage (carpet installed over wood floors)
  • Valuable items, typically up to a $2,500 value
In circumstances such as flash floods, it may be easier and more cost effective to bundle all of your insurance with one company. GEICO is one company that offers flood insurance through the National Flood Insurance Program and allows you to bundle flood insurance with home and auto insurance.
If you’re looking to simplify your insurance experience by bundling or switching providers, the Jerry app may be the right tool for you. Jerry strives to get you the best coverage for the best price, without any of the hassles. No long forms. No calling around. No hard work. Just savings.”
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chloe jenkins
Answered on Sep 10, 2021
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