The Storm of 2016, Houston Texas

The recent storms in the Greater Houston area this week have caused untold damage, hardship, struggles, inconvenience and loss. That goes without saying. Some areas are still experiencing accelerated flooding and damage due to waterways absorbing water from upstream. The daily rains have also not helped.

Flooding is the major risk factor for most of this, and is covered by a flood policy for a residence. It may also be covered by an auto policy for your auto if you have comprehensive coverage. Here is some helpful information to use and pass on.

 

Carriers are aware of the catastrophe incident and are responding.  Safeco, Travelers, Progressive and others have activated a catastrophe response plan that brings additional people and resources into the area to address the needs of folks who are impacted by the storm this week.

Rental car companies are moving inventory of vehicles into the area to accommodate the expected surge in demand for rental vehicles. This will specifically be available to claims related requests.

Here are some things you should do to help yourself and your family, and protect your property –

·         Protect your loved ones first

·         Do your best to protect property, without putting yourself in harms way.

·         If possible and safe, take pictures. This will help document damage that might not be the same when an adjuster shows up.

·         Do your best to prevent further damage, again without exposing yourself to injury or danger.

·         Don’t drive into flooded areas. Avoid driving at night in unfamiliar areas

See the following links for more information –

http://www.progressiveresponds.com/resources/flood-safety-tips/

https://www.travelers.com/resources/weather/emergency-preparedness/natural-disaster-recovery-plan.aspx

Lastly, we have had some inquiries about getting flood insurance. It is generally a good idea. As we saw on Monday, if it rains hard enough long enough, anywhere can flood. Flood insurance generally has a 30 day waiting period before the policy goes in force. Homeowner policies do not cover flood. Please contact us if you are interested. It won’t help for this week, but can help you in the future.

 

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