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Cravens Warren

Serving the risk management and commercial insurance needs of business. Cravens Warren, founded in 1946, has been serving the insurance needs of... read more

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  • 10011 West Gulf Bank
    Houston, TX 77040
  • Phone (713) 690-6000
    Fax (713) 690-6020
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Earthquakes, Hurricanes, and Floods: What’s Next??

Sep 2, 2011

By:  Ashley Western, ACSR, MSM RMI

The weather events of 2011 have impacted almost every corner of the United States.  From tornadoes, to floods, to oddly-placed hurricanes, and now earthquakes in the Northeast?  This pattern is enough to make anyone second guess their level of preparation. 

While the city of Houston has not been directly impacted by these events, our turn might be next.  Before the next weather event strikes, now is the time to ensure you have proper insurance coverage. 

Here are steps to consider:

Review homeowner's policy - An annual homeowners policy review is important, and ensures you are covering enough limits to replace all you belongings.  We recommend adding in a limit which encompasses slightly more coverage than what covers your current belongings, so you have room to grow.  Also, adding an inflation guard endorsement to the policy also ensures your limits go up with the cost of construction in the area.  Law and Ordinance coverage would also help, as this covers expenses to bring your home up to code.