If you live in or around Houston, TX and own your home or business you should look into flood insurance for your assets because it is not included in common commercial or homeowner’s insurance policies. At Memorial Insurance Agency we meet people often who do not realize that their homeowner’s insurance does not cover certain situations such as a flood. We are happy to clear up common questions many customers have about flood insurance.
Flood Insurance FAQs
- I don’t live in an area that is known to flood? Should I still purchase a policy? Yes, even if you are at a lower risk for a flood it can still happen from a variety of causes. Negate any risk to your assets with a simple policy add on.
- Does my homeowner’s insurance cover flooding? No, your homeowner’s insurance does not cover flooding in Texas, nor in most states in the US. But there are practices in place that make purchasing this insurance easy and affordable.
- What about flooding from within my home such as from a leaky pipe? According to the Texas Water Development Board In Texas, a “flood” is legally defined as a “temporary condition of partial or complete covering of two or more acres of dry land or two or more properties. This can be caused by an overflow of waters, mud-flow, rapid runoff, or collapse of land along a lake.” This means that your leaky pipe damage will not be covered under flood insurance, but may be covered by homeowner’s insurance.
Contact us at Memorial Insurance Agency to learn more about flood insurance in Houston, TX. We will be happy to answer any questions you have about flood insurance, homeowner’s insurance, and other policies to fully cover your entire life.
Being involved in a hit-and-run car accident can be scary and frustrating. If you are involved in an automobile accident, you are required by law to stop and exchange information with the other driver. But if a driver takes off instead of stopping, your head may be swirling with questions. Here at Memorial Insurance Agency, serving the greater Houston, TX area, we are often asked if auto insurance offers coverage in the event of a hit-and-run accident. You may be covered only if you carry one of these two types of policies.
Collision coverage will cover both your vehicle and any injuries you or your passengers may sustain if a driver hits you and fails to stop. Your insurance company often requires that you report the accident to the appropriate authorities in order to provide coverage for a hit-and-run accident. Additionally, you are typically required to pay the deductible, even if the accident was not your fault, unless the hit-and-run driver is found.
Uninsured Motorist Property Damage Coverage
Collision coverage does more than provide coverage for hit-and-run drivers. Unfortunately, not every driver needs the coverages it provides. If you are looking to simply protect against uninsured or hit-and-run drivers, some insurance companies offer a coverage called uninsured or underinsured motorist property damage coverage. This type of insurance will protect you against a driver who does not have insurance, does not have enough insurance coverage to cover the damage they caused and/or if you are involved in a hit-and-run accident.
Unfortunately, not every auto insurance policy type provides any or ample coverage if you are involved in a hit-and-run accident. This is why it is so important to ensure that you have the best auto insurance policy for your needs. Here at Memorial Insurance Agency, serving the greater Houston, TX area, we will help you select the best type of auto insurance policy for you. Call us now to learn more.
Before heading out on holiday this summer, take measures to ensure your home will be well protected during your absence. Good home security will enable you to enjoy your vacation to the full without worrying about theft or intrusion. The following home security tips from Memorial Insurance Agency will help you get started in securing your Houston, TX property.
Install a Security System
If you don’t have a home security system, considering getting one. A security system that includes an alarm, security cameras, window and door sensors, and motion detection lights will make would-be thieves think twice about making your home a target.
Ask Neighbors to Watch Property
If you have friendly neighbors, ask them to keep an eye on your property while you’re gone. You can even leave them a spare key to check the inside periodically to ensure all is well during your absence.
Stop Newspaper & Mail Delivery
Put a hold on your newspaper and mail delivery services during your absence to avoid having a pileup of these items in your mailbox or driveway. If you plan to be away from home several weeks or longer, arrange to have your landscaping done so it doesn’t appear that no one is home.
Avoid “Vacation Advertising” on Social Media
Don’t announce your vacation plans on social media as it gives potential thieves advanced notice of when you’ll be gone. Keep a low social media profile during your absence by waiting until you return to post pictures of your holiday.
Review your Home Insurance
Review your home insurance before leaving to ensure you have the protection you need. You don’t want to be caught short in the event of an unforeseen disaster. For optimum home insurance protection at affordable costs, contact Memorial Insurance Agency in Houston, TX.
We at Memorial Insurance Agency have helped people like you get through problematic situations with their insurance for years now. Unfortunately, many cases exist in which your policy might backfire on you. These typically occur when you don’t buy a good enough plan for your needs.
When You Don’t Get Various Emergency Insurance
Ignore certain types of disaster insurance coverage at your peril! For example, you might decline flood coverage and end up experiencing a sudden flood of water. This problem is particularly an issue in places that don’t get a lot of rain but then suddenly get a lot. For example, floods in Houston, TX do occur, and you must be prepared with great insurance.
When Mold and Leaks Strike
One of the most common problems you’ll experience in your home is mold or leaks. These issues occur in out-of-the-way areas of the house and may trigger a variety of concerns. For example, mold can cause respiratory problems that make your home unsafe for many individuals.
Even worse, leaks can wear away at the structure of your home and cause serious issues. And your standard homeowner’s policy will not offer this type of coverage. As a result, you need to expand your options to ensure that you don’t experience this problematic issue.
Make Sure You Get the Best Policy
So if you live in Houston, TX and you’re worried about any of these problems, contact us at Memorial Insurance Agency. We serve this area and will provide you with the high-quality insurance you need to ensure that you don’t experience problems with your coverage.
If you own a home in the Houston, TX area, it is important that you have it fully and properly covered by insurance. For most homeowners, this will mean having home insurance in place at all times. However, there are other types of insurance that you may need as well. Depending on your situation, you may also need to get flood insurance. There are several situations in which you will need to have flood insurance.
Required by Lender
One of the most common reasons why someone may need to get flood insurance is if their mortgage lender requires it. If your home is located in a FEMA flood zone, it is very likely that your lender will want you to have flood insurance. This is especially true if your mortgage is part of the FHA program. In these situations, you will likely need to escrow your payments on a monthly basis.
Even if it is not required by your bank, you could still benefit greatly by having flood insurance if you are in or near a flood zone. Flood insurance will provide you with very valuable protection in the event your home is damaged by a flood. Further, your standard home insurance policy may not cover it if you are at risk of being affected by floods.
There are a variety of situations in which someone in the Houston, TX area should have flood insurance. When you are trying to better understand your flood insurance needs and requirements, you should contact the team at Memorial Insurance Agency. The insurance professionals at Memorial Insurance Agency fully understand the complexities and importance of flood insurance. Because of this, they can help you get into a flood insurance policy that provides you with the right level of coverage.
The exterior of your home is constantly being exposed to the elements. While it is designed to withstand all types of weather and protect you while you remain cozy and comfortable inside, there are times when damage can occur. Thunderstorms bring heavy rains and strong winds but they also bring damaging hail that can poke holes in your roof and siding, as well as crack or even break your windows. In Houston, TX, residents can call on Memorial Insurance Agency if they have any questions about hail damage.
More Common Than You Think
Hail can cause extensive damage to your roof, especially if it’s older and already in need of repair. There are times when the rain is so heavy, many people don’t realize hail is also present. Hail damage is much more common than many people believe. That is why most types of hail damage are covered by your homeowners’ insurance policy. While hail doesn’t occur all that often, it can wreak havoc on a home, damaging your roof, siding, and windows.
Call An Inspector
If you believe your home may have suffered some hail damage, don’t wait to take action. Call an inspector today. They can evaluate your roof and identify any potential hail damage that could lead to significant problems in the future. Making the necessary repairs promptly will ensure there is no further damage inside the home.
The agents of Memorial Insurance Agency have the answers Houston, TX residents need if they are concerned about hail damage. Call and schedule your meeting today to find out what types of damage your homeowners’ policy covers. They will give you the information you need so you will have peace of mind knowing your home is protected.
Tires take a lot of heavy damage every single day. Unlike the rest of your vehicle, your tires need special attention. Keeping them maintained is essential to making sure your car stays on the road. The independent insurance agents at Memorial Insurance Agency in Houston, TX would like to offer you some advice about how to maintain your tires.
Check Your Tires Regularly
You’ll need to do regular tire checks to keep you safe before heading out on the road. At least once a month you should check to make sure your tire pressure is correct. Over-inflated tires could cause the tire to wear out faster, mainly in the center of the tire’s tread. Alternatively, having too little pressure in the tire can cause the tread to wear on the outside.
When looking at the tread, you should notice whether it is erratic or on one side. If it is erratic, then you may need to have one or more of your wheels balanced. If the tread is worn on one side, then you should have your tires realigned.
What to Look for While Driving
When you are driving, you should listen to your tires. If you hear a thumping noise or feel vibrations coming from your tires as you drive, your tires are probably out of balance. In addition, if you notice that your car begins to pull to one side, one or more of your tires on that side may be damaged. Make an appointment with your local auto repair shop to have it repaired. Driving with damaged tires can ultimately begin to do internal damage to your vehicle.
Stop by Memorial Insurance Agency in Houston, TX to get information about how to maintain your tires and also learn about getting car insurance for your vehicle.
Having the right insurance can help you prevent losses from a variety of events such as floods. However, sometimes events can happen that are not natural and can even be caused by flooding from public entities such as city water and sewer services. Does your flood insurance cover these types of events?
Flood Insurance Coverage
If you are the victim of a flooding event as a result of faulty public works, or city infrastructure or sewer lines, you will likely be covered by your home owner’s insurance rather than your flood insurance. If you would like more information about what events flood insurance and home insurance cover, speak with a knowledgeable insurance agent who can answer your questions and help you protect yourself from the possibility of loss as a result of public sewer and water or other public entities.
Choosing The Right Insurance Agency
Not all insurance agencies are the same. The agents of the company, along with their experience, can make a big difference in the protection and coverage you receive. A seasoned agent can work with you to discover your personal needs and recommend products that will offer you the highest level of protection from unexpected incidents that can cause significant home and property damage. If you are a resident in or around the Houston, TX area, you can count on Memorial Insurance Agency to guide you through the policy purchasing experience and help with any claims you may have in the future.
Get the facts about your home insurance and flood insurance coverage. If you are a resident of Houston, TX or the surrounding area, you owe it to yourself to contact Memorial Insurance Agency for more details. We will provide you with peace of mind only the right type of insurance can offer. Call or stop by the office today.
Home insurance is something that all homeowners need to have on hand. This is going to help protect them and their home and is also going to help protect their investment. For those that live in the Houston, TX area, the agents with Memorial Insurance Agency can help you find the right home insurance policy for you.
Home insurance is something that can be pretty difficult to understand, but that is also very essential. When it comes to your home insurance, it is important that your policy fits your home as specifically as possible. This is going to help make sure that if you do have to call on the policy, it is going to cover your home and is going to cover what you need it to cover. If you have a policy that does not fit your home as perfectly as possible, it may not cover what you need it to in the event of something happening.
The key to getting a policy that is going to fit your home perfectly is to alter it as needed. That being said, you can alter your home policy at any time but may need the help of an agent to do so. When you alter your policy, you need to be sure you are changing it for the better. If you do change your policy during a billing cycle, you are not going to see the new price of your policy, if there is one, until the next billing cycle.
For those that live in the Houston, TX area, the agents with Memorial Insurance Agency can help you find the home policy you need and help you alter policies that you may already have in place to give you the best coverage possible for your home. Contact our offices to get a quote.
Getting a traffic ticket will always be annoying. It can ruin your whole day and will cause you to worry about how much it costs and how long it will stay on your record.
Then you realize that there may be other repercussions. Once your insurance company finds out about your ticket, will your auto insurance rates go up too?
What happens after one ticket
Drivers in Houston, TX may not need to worry about one ticket. Most insurance agents at Memorial Insurance Agency or other insurance companies may not ever find out about the ticket right away. Unless there are warning signs, insurance companies won’t check your driving record regularly. They will only find out about your incident quickly if you tell them.
One ticket may not make much difference anyway. An insurance agent is unlikely to find out about one ticket unless you are just signing up for a new policy or renewing a policy.
If you start getting numerous tickets, Texas will keep track of the violations on your driving record with a point system, and points stay on your record for three years. You could get 2 points for a moving violation, or more if the moving violation caused a crash. Operating while intoxicated and failure to stop at an accident are even worse for your driving record, and you will be charged by the state of Texas every year you have too many points.
Even though it may seem overwhelming, this is the most critical time to make sure you are protected. The agents at Memorial Insurance Agency are working hard to serve the people of Houston, TX, and they will work with you to make sure you get the protection you need. Contact our offices to receive a quote.