Extreme weather patterns over the years have resulted in countless flood events all across the country. Texas is no stranger to flood disasters. As home insurance doesn’t cover flood damage, we recommend Texas homeowners purchase flood coverage. Here’s what a flood insurance policy from Shell Insurance Agency in Deer Park, TX has to offer. 

Flood Events Covered by Flood Insurance 

Flood insurance protects both your home and personal belongings against major flood loss. Flood insurance covers water damage caused by rising lakes or rivers, storm surges, heavy downpours that cause flooding, dam overflows, mudflows and melting snow.

As many Texas homeowners have recently discovered, floods aren’t limited to flood zone areas. Even if you don’t live in a flood zone, you’re at risk of flood disasters. With flood insurance, you can be prepared for any eventuality. 

Protection Offered by Flood Policies

Flood policies offer two types of coverage: building and contents. You can purchase just building coverage, just contents coverage or both. Each has their own deductible, which is the part that you pay before coverage kicks in.

Building coverage protects your home’s structure. It covers flood damage to foundation walls, electrical and plumbing systems, wall-to-wall carpeting, staircases, furnaces, water heaters, cabinets, built-in appliances and detached garages. You can buy building coverage for up to $250,000.

Contents coverage protects your belongings. This includes clothes, furniture, electronics, major appliances, paintings, curtains, blinds and more. You can buy contents coverage for up to $100,000. Just so you’re aware, contents coverage is for the actual cash value of your goods at the time of loss – not current replacement costs.

Benefits of Flood Insurance Coverage

Flood insurance provides financial support to help you recover from flood disasters. To purchase flood coverage for your Deer Park, TX home, give Shell Insurance Agency a call.  

Identity theft occurs when someone gains access to your credit cards, account numbers, or computerized information intending to defraud. The Federal Trade Commission reported that identity theft affected more than 1.4 million Americans in 2021, so nearly anyone could be affected. Given the potential impact, feel free to contact the Shell Insurance Agency, serving Deer Park, TX, to determine whether identity theft insurance should be part of your insurance plan.

What’s Covered By Identity Theft Insurance?

Victims of identity theft may incur out-of-pocket expenses to fix the problem and spend substantial time doing so, and they may suffer direct financial losses. Identity theft policies range from basic to comprehensive, so the following list identifies how you could be affected by identity theft and the expenses and losses covered by different policies.

Out-of-pocket expenses may include:

• Obtaining copies of your credit report
• Notary, certified mail, and bank fees
• Legal fees and court costs
• Telephone costs

Due to the time required to repair your identity and reputation, some policies also cover the following:

• Wages lost while resolving issues
• Child care costs

More comprehensive policies may reimburse or cover the following:

• Stolen funds
• Credit monitoring
• Identity restoration specialists who handle tasks so you can return to work.
• Data restoration specialists (following a cyberattack)

Generally, those with more assets and whose time is most valuable need more comprehensive coverage, but everyone’s situation and needs differ. 

Working With Shell Insurance Agency

Many gain comfort knowing their families have identity theft protection. In a world where anything can happen, the Shell Insurance Agency team, serving Deer Park, TX, can help you gain that protection. So give us a call or stop in today.

Keeping your home safe and protecting the investment you have made is crucial to your financial security. Flood damage can be a devastating event in the life of a homeowner. At Shell Insurance Agency, serving Deer Park, TX, and the surrounding areas, we are here to help you better understand flood insurance options. Keep reading to learn more. 

Is Flood Insurance Included In My Homeowner’s Policy?

Often, flood insurance is not included in a homeowner’s policy. This is because flood risks can be very different from place to place. This makes it difficult for underwriters to create insurance policies that are one size fits all kind of policy. Flood insurance policies often need to be customized to your particular needs and risk factors. 

What’s The Difference Between Natural Flooding and Interior Flooding?

Interior flooding refers to flooding within your home due to plumbing or appliance malfunctions. This type of flooding is often included in your homeowner’s policy. 

Naturally occurring flooding would be flooding that results from natural disasters or events that are taking place outside your home. You often need a flood insurance policy in addition to your homeowner’s policy to cover this type of damage. 

Do I Need Flood Insurance?

The answer to this question can vary from person to person. Some homes are located in areas with so little chance of flooding that they may not be needed. Other homes are located in very high-risk flood zones. The best way to determine whether you need this type of coverage is to talk with an insurance representative. 

To learn more about flood insurance, please get in touch with us at Shell Insurance Agency, serving Deer Park, TX, and the surrounding areas. 

Identity theft is a surprisingly common problem that Americans face, with a new theft occurring every 22 seconds. Identity thefts are expected to increase over time, with many expected to experience financial loss. You should consult an insurance agent for protection if you’re somebody with a high risk of identity theft. Identity theft insurance is one method of many in protecting yourself in this situation. At Shell Insurance Agency, we’re offering identity theft insurance to the people of Deer Park.

How Do I Know if I Need Identity Theft Insurance

Because the internet is now such a pervasive platform, many use it for banking purposes. Americans have a 1 in 6 chance of losing money to a scam. If you have some of your money stored in a digital storage space – like an online banking account or a payment processor – then identity theft insurance comes highly recommended. 

What to Expect From Identity Theft Insurance

There are various types of protection against identity theft, and insurance offers its own set of benefits. In an identity theft insurance plan, you can expect payment if your identity is stolen. It can also cover additional theft-related fees, like legal aid, application charges, or lost wages on the job. When shopping for this insurance, find policies matching your needs.

Finding Identity Theft Insurance from Deer Park, TX

Ready to purchase an insurance plan that covers situations like identity theft? If so, please contact our Deer Park agency at 713-527-2209. Our team would be happy to discuss insurance options with you. 

Torrential rainfall, hurricanes, and floods can all cause significant damage to your Deer Park, TX landscape. From Shell Insurance Agency, here are three wise ways to flood-proof your yard and keep your property safe.

Identify Low Areas in Yard to Elevate or Fill In

1. Look for standing water: Areas, where water collects and stands after a rainstorm or sprinkler use, can indicate low spots in the yard.

2. Measure elevation changes: Use a laser level or another tool to measure elevation differences across your yard. Low spots will have a lower elevation than the surrounding area.

3. Look for drainage patterns: If you have a large yard, look for signs of water draining away from specific areas. This could indicate that those areas are lower than the rest of the yard.

Install Sloping Landscapes to Guide Water Away From House

Installing sloping landscapes around your home can help prevent flooding by guiding water away from the house and its foundation. Sloping landscapes are designed to direct surface runoff away from the house, preventing it from pooling around the foundation and causing water damage. They also help prevent water from entering the home in heavy rainfall or floods. By directing water away from the house, sloping landscapes help reduce the risk of flooding, property damage, and costly repairs.

Choose Plants That Can Withstand Flooding

Flood-tolerant plants can be an excellent asset for properties prone to flooding. They have deep roots that help stabilize the soil, preventing erosion and reducing the risk of landslides or mudslides. Additionally, these plants can provide a buffer against rising waters and help absorb excess moisture, thus lessening the impact of flooding on your property.

At Shell Insurance Agency in Deer Park, TX, we provide flood insurance to protect you and your property. With us, you can trust that you’ll be getting quality coverage and the peace of mind that comes with knowing you’re covered in case of a flood. Contact us today to discover more!