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The Killeen area’s proximity to Lake Waco and the frequency of severe weather fronts moving across the region combine to create a high risk of flooding every year. According to a recent article on KWTX.com, as much as seven inches of rain fell in one 24 hour period in March of 2012, leading to flash flooding and severe damage to homes and businesses. Unfortunately, these large amounts of rainfall are all too common in the area.

While the emotional toll taken by the flooding was extensive, the financial impact continues to be felt by many members of the community today. Those whose homeowners coverage or business insurance package did not address flood damage felt the impact the most severely.

Add Flood Coverage to Your Insurance Plan
Many standard homeowners or business insurance policies do not provide protection against the damage caused by flooding. Adding flood coverage to your protection plan is often very affordable, and may prove to be invaluable if your home or business is ever damaged by rising water levels.

Flood insurance provides many benefits, including:

• Damage repair: Flooding can cause severe damage to the structure of your home or your business. Repairing the physical structure of a building can be expensive; flood insurance provides compensation for the costs of repairing your home or business after a flood.
• Property replacement: Standing water in your home or business can quickly ruin your personal property, including furniture, clothing, electronics and appliances. Flood insurance provides compensation for the costs of replacing your personal property.
• Alternative housing: If your home is rendered uninhabitable due to flooding, it can be costly to find alternative living arrangements. Flood coverage provides funding for a hotel or other living arrangement while your home is under repair.
• Loss of business: If your business is shuttered due to flooding, the financial impact can be severe. In conjunction with your business insurance plan, flood coverage may provide compensation for lost business income while your building undergoes repair.

Speak to Your Agent About Flood Coverage
In many cases, you can add flood coverage to your home or business insurance plan for just a few dollars a month.

Our agents will help you review your current coverage, and offer advice on the benefits of the addition of flood insurance.

Was your home or business damaged in the recent flooding in the Killeen area? Were you insured against the damage? Share your experience in the comments below.