EL PASO, Texas (KFOX14/CBS4) — With more rain expected Monday and Tuesday after a stretch of heavy storms, an El Paso insurance agent is urging residents to make sure they understand what their policies do — and do not — cover when water gets into a home.
Jaime Portillo, a State Farm agent in El Paso, said standard renters and homeowners insurance generally will not cover flood-related losses. He said those policies cover “wind-driven rain” or rain that enters through the roof or walls. But if water enters through the ground — including through a door or beneath a slab — or involves sewage, mud or debris, Portillo said homeowners and renters will need flood coverage.
After a storm, Portillo recommended that people take photos and videos of any damage before cleaning it up. He also suggested that people call their insurance agents to check their coverage, with one exception: Renters should call their landlord first, then contact their insurance agents…