Texas family says they weren't offered flood insurance, and are paying for damages out of pocket

BERTRAM, Texas (KXAN) — Days into the aftermath of unexpected and catastrophic flooding in Central Texas, some people are realizing they lack the flood insurance to cover this damage.

That's the case for the Dicken family in Bertram. They just moved into their recently purchased property less than a year ago. In a more rural portion of the county, they never imagined having to worry about flooding, living next to a creek that's known to be dry.

Ashley Dicken walked through her family's property, days after it was submerged by floodwater.

"It's the most traumatic thing that we've all ever been through," Dicken said.

Dicken watched on security video as floodwater rose throughout their compound, nearly submerging some of their farm animals. She told KXAN her mother and father were in their home when water started shifting it from its foundation.

The grounds are still partially flooded, soaked and muddy, with smashed fences and scattered debris.

Trying to move forward, they're faced with the harsh reality that insurance won't cover most of the damage.

No flood insurance

The Dicken family said a claim filed with their insurance company, The United Services Automobile Association (USAA), was denied shortly after it was submitted because they don't have flood insurance.

"They didn't even offer flood insurance to us because we're not in a flood zone," Dicken said.
"I don't know how we're going to recover."

Dicken said her family is frustrated, and wishes they would have been told all of their options.

"The destruction and loss in Texas is heartbreaking, and our thoughts and prayers are with families who have lost or have missing loved ones. While homeowners' policies do not provide protection for damage caused by flooding, coverage is available through the National Flood Insurance Program. USAA’s focus is on serving members through expedited claims handling and supporting our community with more than $1 million in company and employee donations to organizations for search, rescue and recovery efforts."

Rebekah Nelson, USAA Spokesperson 

Rich Johnson, with the Insurance Council of Texas, said flooding isn't covered on most standard insurance policies, regardless of the insurance company. In some cases, mortgage companies will require homeowners in flood zones to have flood insurance. But that leaves non-flood zone areas in a vulnerable spot.

"Sixty to 70% of flood damage happens in those low-risk areas," Johnson said. "The National Flood Insurance Program, which is a federal program through FEMA, those policies can be purchased from your local insurance agent or your insurance company."

A family business at risk

Dicken runs a family boarding and dog training business on their compound. It, too, suffered significant damage. Now, Dicken is scrambling to trying to keep the business she's grown over the past six years in operation.

"I have some girls right here right now, trying to clean it up," Dicken said.

She hasn't had luck with small business relief grants, so she is relying on community support and a fundraiser.