Floods are common in the Southlake, TX area, and it’s important to know what your insurance covers. If you have questions about whether your flood insurance policy will cover the cost of repairing or replacing your landscaping after a flood, you have come to the right place. Let’s learn about flood insurance and how the Kimble Brown Insurance Agency can help.

What is Covered by Flood Insurance? 

Flood insurance covers damage to structures such as your home, as well as any items that are kept inside the house. This includes furniture, appliances, electronics, clothing, and other personal property. Sometimes, it may also cover detached garages and outdoor sheds. 

Does Flood Insurance Cover My Landscaping? 

Unfortunately, most standard flood insurance policies do not cover damage to landscaping or trees on the property. Trees can be especially vulnerable during floods because the water flow or soil erosion can uproot their roots. Depending on the extent of the damage and how much it costs to repair or replace your landscaping after a flood, this can be a significant expense for homeowners. 

How Can I Protect My Landscaping from Damage During A Flood? 

The best way to protect your landscaping from flooding is to take precautions before an event. This includes planting trees away from waterways where possible and ensuring drainage systems function correctly so that water does not accumulate near your home or trees. If you live in an area with frequent flooding, consider investing in protective measures such as earthen berms around trees and shrubs or planting them in elevated containers filled with a soil mix that won’t erode easily when exposed to water runoff.

If you have questions about whether flood insurance covers landscaping damages in Southlake, TX, or want to learn more about protecting your property during floods, contact Kimble Brown Insurance Agency.