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As we all know, Austin, TX weather is unpredictable. One minute it’s sunny and 80 degrees, and the next minute there’s a tornado or severe flooding. So, does your condo insurance cover damage from natural disasters like tornados and floods? Armadillo Insurance Agency has answers to all your insurance questions.
What Does Condo Insurance Cover?
Tornado Coverage
Most standard condo insurance policies will cover damage from tornados. However, there may be some deductions for wind damage, so it’s important to check with your insurance provider to see what your policy covers. Central Texas is prone to tornados, so you may want to purchase additional windstorm insurance to make sure you’re fully covered.
Flood Coverage
Flooding is a different story. Standard condo insurance policies typically do not cover flood damage. If you choose to live in a high-risk flood zone, you will need to purchase additional flood insurance to ensure that your home is protected. Even if you don’t reside in a highly susceptible flood zone, it’s still a good idea to get flood insurance. Why? Because less than an inch of water may destroy $25,000 worth of property.
We Are Here If You Have Questions
As a condo owner in Austin, TX, it’s important to know what your condo insurance policy covers—and what it doesn’t cover. Most standard condo insurance policies will cover damage from tornados. Although you may want to add a windstorm insurance policy. However, they typically do not cover flood damage.
If you live in an area that is prone to floods, you will need to purchase separate flood insurance to make sure you’re protected. Don’t wait until it’s too late — contact Armadillo Insurance Agency to learn more about windstorm and flood insurance today!