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THE RIGHT INSURANCE FOR YOU.
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inshora
Imran, Agent
14090 Southwest Freeway suite #220
Sugar Land TX 77478
Phone # 713-943-9985
Email - Info@Inshoragroup.com
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YOU MAY BE LOW RISK, BUT NO ONE IS NO RISK.

Residential Flood: Many homeowners believe that they only need flood insurance if their mortgage company or bank requires it, which is mostly when the home is located in areas categorized as “high risk” (flood zone A or V).  The fact is, you don’t need to live on the coast to be at risk.  Wherever it rains, it can flood, regardless of your proximity to a body of water.

Commercial Flood: If you have a Small Business Administration loan you are required to have flood insurance if you are in a high-risk flood zone. Many other lenders require flood insurance on your commercial building if you are in a high-risk flood zone – A and V flood zones.

Do not be lured into a false sense of security if you are outside of the ‘high-risk’ flood zone and think you do not need a flood insurance policy. No one is without potential flood risk; wherever it rains, it can flood. When Hurricane Harvey hit Houston, 70% of the claims were outside of the high-risk flood zones. Furthermore, 25% of all flood claims are located outside of “high risk” A and V zones. Protect your business and inventory.

Another fact is, about 25% of Small Businesses never reopen following a natural disaster.

YOU MAY BE LOW RISK, BUT NO ONE IS NO RISK.

Only you can decide.  During the last five years, the average flood claim was $46,000.  Below is a chart of significant flooding, that has occurred recently:

EVENT / DATE
CLAIMS PAID
AVERAGE CLAIM
HURRICANE KATRINA 2005
166,790
$97,474
HURRICANE HARVEY 2017
76,257
$116,823
SUPERSTORM SANDY 2012
132,360
$66,517
HURRICANE IKE 2008
46,701
$57,866
TORRENTIAL RAIN LOUISIANA 2016
26,976
$91,507
HURRICANE IVAN 2004
28,154
$57,097
HURRICANE IRENE 2011
44,314
$30,369
TROPICAL STORM ALLISON
30,671
$36,028
HURRICANE IRMA 2017
21,920
$48,095
HURRICANE MATTHEW
16,586
$39,455
TEXAS FLOODING MAY-JUN 2015
6,709
$67,463
TORRENTIAL RAIN SEPT 2009 GEORGIA
2,067
$60,107
TORRENTIAL RAIN TENNESSEE 2010
4,114
$55,974
LATE SPRING STORMS JUNE 2011
2,433
$55,326
FLORIDA FLOODING APRIL 2014
2,134
$51,703
TORRENTIAL RAIN TEXAS 2016
4,748
$50,392
LATE WINTER SEVERE STORMS 2016
4,751
$48,869
MIDWEST WINTER STORMS 2015
2,169
$40,552
COLORADO FLOODING SEPT 2013
1,734
$39,625
PA, NJ, NY FLOODS JUNE 2006
6,428
$35,671
SOUTH CAROLINA FLOODING OCT 2015
3,876
$48,869

WHAT’S COVERED?

A standard flood insurance policy covers your home and contents when damage is caused by rising water. At Inshora Group, we help waterproof your assets by offering expanded, optional coverage that gives your family protection where other insurers may literally leave you “underwater.”

Standard Coverages
  • Building, which is the insurance on the primary home/building on the insured property.
  • Personal Contents, which is the insurance that protects the possessions inside of your home.

The coverage offered in a Flood Insurance policy may sound like the coverage you already have in your Homeowner’s policy, but that’s not the case.  It’s different than your Homeowner’s insurance because a typical Homeowner’s policy specifically excludes water damage that results from rising water. For the purpose of insurance, “Rising” is the key word to distinguish flood damage from water damage.