Flood insurance is one thing that homeowners cannot be without in Houston, Houston homeowners who
suffered flood damage want one thing: to quickly get their lives back to normal.
But it will take a long while before they'll again be in a clean, dry home.
And the mess may raise difficult insurance issues. The cost of replacing damaged possessions and home
repairs could be a big problem for those without flood insurance Houston.
While rain driven into a home by high winds is covered by homeowners insurance, the damage caused by
water rising from a nearby bayou is not flood insurance Houston only covers it.
Flood insurance Houston can only cover that sort of loss, and this storm has hit many homes in places
where the owners never expected flooding.
"We are seeing a lot of people who do not have flood insurance Houston, unfortunately," said Jerry Johns,
president of the Southwestern Insurance Information Institute, an industry group.
Water that comes into a home and causes damage is not covered by a standard homeowners policy,
Johns noted. Those policies only cover water damage by "wind driven rain," and Allison didn't bring the
damaging winds that come with a hurricane. It is important to check what your flood insurance will cover
in the event of a hurricane.
