EL PASO, Texas (KFOX14\/CBS4) \u2014 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 \u2014 and do not \u2014 cover when water gets into a home.<\/p>\n
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 \u2014 including through a door or beneath a slab \u2014 or involves sewage, mud or debris, Portillo said homeowners and renters will need flood coverage.<\/p>\n
RECOMMENDED: Weather Warn Issued Monday Through Wednesday for Heavy Rain & Flooding<\/a><\/p>\n 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.<\/p>\n Portillo stressed the importance of communicating with insurance agents, saying they can help determine whether a policy includes flood coverage, whether it does not, or whether there is overlapping coverage.<\/p>\n RECOMMENDED: Sandbag distribution sites open in El Paso<\/a><\/p>\n