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Following years of drought, the state of Texas has been inundated with heavy rains this month, leading to flash flooding and potential property damage. 

“For most of the basin, the recent rain has been a blessing, filling Lake Granbury and bringing Lake Possum Kingdom and Lake Whitney closer to full after several years of drought…” writes J.B. Smith of the Waco Tribune. “The Texas Water Development Board on Monday declared that the statewide drought that began in 2011 was officially over, though 30 percent of the state was still in drought or abnormally dry conditions.”

Other areas of the country like Southern California have contended with shortages of rainfall that put water supply needs into question. The sudden turn in events in Texas reminds homeowners and insurance professionals how quickly conditions can go from arid to a full-blown flood risk. Even geographic regions that have experienced significant lack of rainfall can be susceptible to flooding as the environment changes over time. 

For this reason, it’s important to consult with clients about their disaster insurance needs not covered under a standard homeowners insurance policy. The best way to prepare them for the worst is to ensure they seek out coverage for possible damage and destruction. A centerpiece of doing this successfully is the home valuation. When a policy’s stated replacement value accurately reflects the most current description of a home, owners are best prepared to shop for flood insurance and other natural disaster coverage. 

At e2Value, we’ve pioneered workflow and valuation solutions for insurance professionals that help our clients arrive at high quality valuations for every property in their books. Contact us today to learn more about how our tools can support growth and efficiency in your business.