What to do if your home suffers flooding damage

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HOUSTON, TX - We've heard the warnings before, during severe weather, "If you don't have to go outside, stay indoors." Seems logical enough, but what happens when the storm decides to make a house call? After our record-breaking rainfall, plenty of H-Town residents are finding their homes underwater. Hopefully, you were properly covered.

Leash Yu, insurance agent and president of Agency Yu says, "In the Houston area, if you don't have flood insurance, I think you're crazy. A lot of people don't understand that home owners insurance; the thing that you buy to protect your home from fire, lightning, if a pipe bursts, and things of that nature, doesn't cover rising water that comes from the outside of your home, inside." Yu goes on to say to call your insurance company, and then call a reputable restoration company to come out and start cleaning up. But because they are all unlicensed, checking out their referrals and online reputation is a must.

Reclaiming your water-logged property can be a process that can take a few days. From the actual drying period, to when the insurance adjuster shows up to assess your damages. If you have the proper insurance, the inspector can hopefully write you a check. If you don't have flood insurance, you're out of luck and would have to pay for the damages yourself.