Your homeowner insurance policy does not cover damage caused by a flood. Texas requires a separate policy specifically for floods. If your home is in a flood zone, your lender typically requires you to obtain flood insurance in order to close the loan transaction. Even if you are not in a designated flood zone, a separate policy will give you added protection and peace of mind. Due to the building boom in our area, the added asphalt and concrete are replacing pastures and prairies which absorbed water caused by excessive rain.
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