Whether coastal or landlocked, no city is safe from flooding. Residents of Magnolia, TX, must deal with heavy rainfall and hurricane threats. Flood insurance is the safety net that protects your home and belongings from these events. If your home floods, this is how flood insurance rebuilds your life.
How Flood Insurance Helps You Rebuild
Flood insurance uses your policy limits to return your home to pre-flooded conditions as best as possible. It restores the home structure and the belongings inside it. By default, Christian Insurance Agency uses the replacement cost value method (RCV) for home structures and the actual cost value method (ACV) for belongings. However, your insurance policy compensation varies.
The Flood Insurance Compensation Process
File a flood insurance claim with us. We need detailed video, photo, and documentation evidence of flood damage across the home’s interior and exterior, appliances, and belongings. One of our insurance adjusters will visit you in person to survey the area and document crucial information. Guide them to every section of the home that needs repairs or replacements. They should also answer your questions. Our adjusters do their job and never ask for money (a fee, upfront payment, a deductible amount, etc.).
The adjuster will offer a repair estimate for the damaged home and belongings based on repair costs in Magnolia, TX. You get a check for the value of all damaged items, and you use that to replace them. For damaged homes, you hire an insurance-approved expert to fix home repairs or rebuild your home, and give us a copy of the invoice. Reputable experts will do the repairs correctly and meet building code and flood standards. After our evaluation, we will send you a check for the exact amount.
Since flood recovery takes several months to a few years, flood insurance is the only answer for flood damage issues. Our team will help you select the most adequate flood insurance compensation for hassle-free results. For more information on flood insurance compensation, contact Christian Insurance Agency by phone or visit our office.