Does your insurance cover flooding? How to file a claim after devastating Texas floods
With people still unaccounted for, Texas Governor Greg Abbott warned that flash flooding remains a serious threat across parts of Texas, as additional rainfall is expected in several regions Monday. Authorities have urged residents of Hunt, a community in Kerr County, to seek higher ground this afternoon due to the risk of further flooding.
On Sunday, President Trump announced that he signed a "Major Disaster Declaration' for relief for Kerr County in Texas, as the region deals with heavy rains and extreme flooding that have killed dozens.
As residents come to terms with the aftermath of the flooding, here's what to know about relief and insurance claims:
In response to the devastating floods that struck Central Texas over the Fourth of July weekend, various relief options are available to assist affected individuals and communities.
Texas Health and Human Services Commission (HHSC): HHSC coordinates efforts to provide information and help to Texans during disasters. This includes assistance with food benefits (such as SNAP), health care services, and housing support. More information is available at HHSC Disaster Assistance.
Texas Division of Emergency Management (TDEM): TDEM supports plans and programs to help prevent or lessen the impact of emergencies and disasters. They provide assistance to individuals, communities, and businesses affected by disasters. More information can be found at Texas Flood Recovery.
Kerr County Flood Relief Fund: Operated by The Community Foundation, this fund supports local rescue and recovery efforts in affected towns like Hunt, Ingram, Kerrville, Center Point, and Comfort.
Central Texas Small Business Relief Fund: Launched by the Maestro Entrepreneur Center, this fund supports businesses affected by recent flooding in the Hill Country area. It aims to assist with urgent repairs, replacement of damaged equipment and supplies, and day-to-day operational expenses necessary for reopening.
Texas Flood Information Clearinghouse: State agencies administer flood financial assistance programs, providing a "one-stop-shop" for information on flood mitigation funding opportunities for Texas' communities.
Texas Department of Housing and Community Affairs (TDHCA): Provides disaster relief resources for individuals and families, including housing assistance and information on available programs.
If you have flood insurance — either through your home insurance provider or the National Flood Insurance Program (NFIP) — it's crucial to file a claim promptly. Typically, claims must be submitted within 60 days of the flooding event. If you're having trouble contacting your insurer, the Texas Department of Insurance recommends calling 1-800-252-3439 for help.
Even without insurance, you may still be eligible for federal disaster assistance. All impacted residents are urged to thoroughly document their property damage using photos and videos. While it's important to begin cleanup, the state recommends holding off on discarding damaged items until you've consulted with your insurance adjuster. It's also important to note that FEMA aid is generally only available in areas formally designated as disaster zones by the president.
The National Weather Service has issued a flood watch for the Texas Hill Country, including areas like Kerrville and San Antonio, due to ongoing heavy rainfall. Forecasts predict additional rainfall amounts of 2 to 4 inches, with isolated areas potentially receiving up to 10 inches. This excessive rainfall poses a risk of flash flooding in low-lying regions, rivers, creeks, and low water crossings.
This article originally appeared on Austin American-Statesman: Does your insurance cover Texas flooding? How to file a claim
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