<!doctype html>
<html lang="en-US" prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb#">
    <head>
    <meta charset="utf-8">
    <meta http-equiv="x-ua-compatible" content="ie=edge"><script type="text/javascript">(window.NREUM||(NREUM={})).loader_config={xpid:"UQQGVldACQYHXVla"};window.NREUM||(NREUM={}),__nr_require=function(t,n,e){function r(e){if(!n[e]){var o=n[e]={exports:{}};t[e][0].call(o.exports,function(n){var o=t[e][1][n];return r(o||n)},o,o.exports)}return n[e].exports}if("function"==typeof __nr_require)return __nr_require;for(var o=0;o<e.length;o++)r(e[o]);return r}({1:[function(t,n,e){function r(t){try{s.console&&console.log(t)}catch(n){}}var o,i=t("ee"),a=t(15),s={};try{o=localStorage.getItem("__nr_flags").split(","),console&&"function"==typeof console.log&&(s.console=!0,o.indexOf("dev")!==-1&&(s.dev=!0),o.indexOf("nr_dev")!==-1&&(s.nrDev=!0))}catch(c){}s.nrDev&&i.on("internal-error",function(t){r(t.stack)}),s.dev&&i.on("fn-err",function(t,n,e){r(e.stack)}),s.dev&&(r("NR AGENT IN DEVELOPMENT MODE"),r("flags: "+a(s,function(t,n){return t}).join(", ")))},{}],2:[function(t,n,e){function r(t,n,e,r,s){try{p?p-=1:o(s||new UncaughtException(t,n,e),!0)}catch(f){try{i("ierr",[f,c.now(),!0])}catch(d){}}return"function"==typeof u&&u.apply(this,a(arguments))}function UncaughtException(t,n,e){this.message=t||"Uncaught error with no additional information",this.sourceURL=n,this.line=e}function o(t,n){var e=n?null:c.now();i("err",[t,e])}var i=t("handle"),a=t(16),s=t("ee"),c=t("loader"),f=t("gos"),u=window.onerror,d=!1,l="nr@seenError",p=0;c.features.err=!0,t(1),window.onerror=r;try{throw new Error}catch(h){"stack"in h&&(t(8),t(7),"addEventListener"in window&&t(5),c.xhrWrappable&&t(9),d=!0)}s.on("fn-start",function(t,n,e){d&&(p+=1)}),s.on("fn-err",function(t,n,e){d&&!e[l]&&(f(e,l,function(){return!0}),this.thrown=!0,o(e))}),s.on("fn-end",function(){d&&!this.thrown&&p>0&&(p-=1)}),s.on("internal-error",function(t){i("ierr",[t,c.now(),!0])})},{}],3:[function(t,n,e){t("loader").features.ins=!0},{}],4:[function(t,n,e){function r(t){}if(window.performance&&window.performance.timing&&window.performance.getEntriesByType){var o=t("ee"),i=t("handle"),a=t(8),s=t(7),c="learResourceTimings",f="addEventListener",u="resourcetimingbufferfull",d="bstResource",l="resource",p="-start",h="-end",m="fn"+p,w="fn"+h,v="bstTimer",y="pushState",g=t("loader");g.features.stn=!0,t(6);var b=NREUM.o.EV;o.on(m,function(t,n){var e=t[0];e instanceof b&&(this.bstStart=g.now())}),o.on(w,function(t,n){var e=t[0];e instanceof b&&i("bst",[e,n,this.bstStart,g.now()])}),a.on(m,function(t,n,e){this.bstStart=g.now(),this.bstType=e}),a.on(w,function(t,n){i(v,[n,this.bstStart,g.now(),this.bstType])}),s.on(m,function(){this.bstStart=g.now()}),s.on(w,function(t,n){i(v,[n,this.bstStart,g.now(),"requestAnimationFrame"])}),o.on(y+p,function(t){this.time=g.now(),this.startPath=location.pathname+location.hash}),o.on(y+h,function(t){i("bstHist",[location.pathname+location.hash,this.startPath,this.time])}),f in window.performance&&(window.performance["c"+c]?window.performance[f](u,function(t){i(d,[window.performance.getEntriesByType(l)]),window.performance["c"+c]()},!1):window.performance[f]("webkit"+u,function(t){i(d,[window.performance.getEntriesByType(l)]),window.performance["webkitC"+c]()},!1)),document[f]("scroll",r,{passive:!0}),document[f]("keypress",r,!1),document[f]("click",r,!1)}},{}],5:[function(t,n,e){function r(t){for(var n=t;n&&!n.hasOwnProperty(u);)n=Object.getPrototypeOf(n);n&&o(n)}function o(t){s.inPlace(t,[u,d],"-",i)}function i(t,n){return t[1]}var a=t("ee").get("events"),s=t(18)(a,!0),c=t("gos"),f=XMLHttpRequest,u="addEventListener",d="removeEventListener";n.exports=a,"getPrototypeOf"in Object?(r(document),r(window),r(f.prototype)):f.prototype.hasOwnProperty(u)&&(o(window),o(f.prototype)),a.on(u+"-start",function(t,n){var e=t[1],r=c(e,"nr@wrapped",function(){function t(){if("function"==typeof e.handleEvent)return e.handleEvent.apply(e,arguments)}var n={object:t,"function":e}[typeof e];return n?s(n,"fn-",null,n.name||"anonymous"):e});this.wrapped=t[1]=r}),a.on(d+"-start",function(t){t[1]=this.wrapped||t[1]})},{}],6:[function(t,n,e){var r=t("ee").get("history"),o=t(18)(r);n.exports=r,o.inPlace(window.history,["pushState","replaceState"],"-")},{}],7:[function(t,n,e){var r=t("ee").get("raf"),o=t(18)(r),i="equestAnimationFrame";n.exports=r,o.inPlace(window,["r"+i,"mozR"+i,"webkitR"+i,"msR"+i],"raf-"),r.on("raf-start",function(t){t[0]=o(t[0],"fn-")})},{}],8:[function(t,n,e){function r(t,n,e){t[0]=a(t[0],"fn-",null,e)}function o(t,n,e){this.method=e,this.timerDuration=isNaN(t[1])?0:+t[1],t[0]=a(t[0],"fn-",this,e)}var i=t("ee").get("timer"),a=t(18)(i),s="setTimeout",c="setInterval",f="clearTimeout",u="-start",d="-";n.exports=i,a.inPlace(window,[s,"setImmediate"],s+d),a.inPlace(window,[c],c+d),a.inPlace(window,[f,"clearImmediate"],f+d),i.on(c+u,r),i.on(s+u,o)},{}],9:[function(t,n,e){function r(t,n){d.inPlace(n,["onreadystatechange"],"fn-",s)}function o(){var t=this,n=u.context(t);t.readyState>3&&!n.resolved&&(n.resolved=!0,u.emit("xhr-resolved",[],t)),d.inPlace(t,y,"fn-",s)}function i(t){g.push(t),h&&(x?x.then(a):w?w(a):(E=-E,O.data=E))}function a(){for(var t=0;t<g.length;t++)r([],g[t]);g.length&&(g=[])}function s(t,n){return n}function c(t,n){for(var e in t)n[e]=t[e];return n}t(5);var f=t("ee"),u=f.get("xhr"),d=t(18)(u),l=NREUM.o,p=l.XHR,h=l.MO,m=l.PR,w=l.SI,v="readystatechange",y=["onload","onerror","onabort","onloadstart","onloadend","onprogress","ontimeout"],g=[];n.exports=u;var b=window.XMLHttpRequest=function(t){var n=new p(t);try{u.emit("new-xhr",[n],n),n.addEventListener(v,o,!1)}catch(e){try{u.emit("internal-error",[e])}catch(r){}}return n};if(c(p,b),b.prototype=p.prototype,d.inPlace(b.prototype,["open","send"],"-xhr-",s),u.on("send-xhr-start",function(t,n){r(t,n),i(n)}),u.on("open-xhr-start",r),h){var x=m&&m.resolve();if(!w&&!m){var E=1,O=document.createTextNode(E);new h(a).observe(O,{characterData:!0})}}else f.on("fn-end",function(t){t[0]&&t[0].type===v||a()})},{}],10:[function(t,n,e){function r(t){var n=this.params,e=this.metrics;if(!this.ended){this.ended=!0;for(var r=0;r<d;r++)t.removeEventListener(u[r],this.listener,!1);if(!n.aborted){if(e.duration=a.now()-this.startTime,4===t.readyState){n.status=t.status;var i=o(t,this.lastSize);if(i&&(e.rxSize=i),this.sameOrigin){var c=t.getResponseHeader("X-NewRelic-App-Data");c&&(n.cat=c.split(", ").pop())}}else n.status=0;e.cbTime=this.cbTime,f.emit("xhr-done",[t],t),s("xhr",[n,e,this.startTime])}}}function o(t,n){var e=t.responseType;if("json"===e&&null!==n)return n;var r="arraybuffer"===e||"blob"===e||"json"===e?t.response:t.responseText;return h(r)}function i(t,n){var e=c(n),r=t.params;r.host=e.hostname+":"+e.port,r.pathname=e.pathname,t.sameOrigin=e.sameOrigin}var a=t("loader");if(a.xhrWrappable){var s=t("handle"),c=t(11),f=t("ee"),u=["load","error","abort","timeout"],d=u.length,l=t("id"),p=t(14),h=t(13),m=window.XMLHttpRequest;a.features.xhr=!0,t(9),f.on("new-xhr",function(t){var n=this;n.totalCbs=0,n.called=0,n.cbTime=0,n.end=r,n.ended=!1,n.xhrGuids={},n.lastSize=null,p&&(p>34||p<10)||window.opera||t.addEventListener("progress",function(t){n.lastSize=t.loaded},!1)}),f.on("open-xhr-start",function(t){this.params={method:t[0]},i(this,t[1]),this.metrics={}}),f.on("open-xhr-end",function(t,n){"loader_config"in NREUM&&"xpid"in NREUM.loader_config&&this.sameOrigin&&n.setRequestHeader("X-NewRelic-ID",NREUM.loader_config.xpid)}),f.on("send-xhr-start",function(t,n){var e=this.metrics,r=t[0],o=this;if(e&&r){var i=h(r);i&&(e.txSize=i)}this.startTime=a.now(),this.listener=function(t){try{"abort"===t.type&&(o.params.aborted=!0),("load"!==t.type||o.called===o.totalCbs&&(o.onloadCalled||"function"!=typeof n.onload))&&o.end(n)}catch(e){try{f.emit("internal-error",[e])}catch(r){}}};for(var s=0;s<d;s++)n.addEventListener(u[s],this.listener,!1)}),f.on("xhr-cb-time",function(t,n,e){this.cbTime+=t,n?this.onloadCalled=!0:this.called+=1,this.called!==this.totalCbs||!this.onloadCalled&&"function"==typeof e.onload||this.end(e)}),f.on("xhr-load-added",function(t,n){var e=""+l(t)+!!n;this.xhrGuids&&!this.xhrGuids[e]&&(this.xhrGuids[e]=!0,this.totalCbs+=1)}),f.on("xhr-load-removed",function(t,n){var e=""+l(t)+!!n;this.xhrGuids&&this.xhrGuids[e]&&(delete this.xhrGuids[e],this.totalCbs-=1)}),f.on("addEventListener-end",function(t,n){n instanceof m&&"load"===t[0]&&f.emit("xhr-load-added",[t[1],t[2]],n)}),f.on("removeEventListener-end",function(t,n){n instanceof m&&"load"===t[0]&&f.emit("xhr-load-removed",[t[1],t[2]],n)}),f.on("fn-start",function(t,n,e){n instanceof m&&("onload"===e&&(this.onload=!0),("load"===(t[0]&&t[0].type)||this.onload)&&(this.xhrCbStart=a.now()))}),f.on("fn-end",function(t,n){this.xhrCbStart&&f.emit("xhr-cb-time",[a.now()-this.xhrCbStart,this.onload,n],n)})}},{}],11:[function(t,n,e){n.exports=function(t){var n=document.createElement("a"),e=window.location,r={};n.href=t,r.port=n.port;var o=n.href.split("://");!r.port&&o[1]&&(r.port=o[1].split("/")[0].split("@").pop().split(":")[1]),r.port&&"0"!==r.port||(r.port="https"===o[0]?"443":"80"),r.hostname=n.hostname||e.hostname,r.pathname=n.pathname,r.protocol=o[0],"/"!==r.pathname.charAt(0)&&(r.pathname="/"+r.pathname);var i=!n.protocol||":"===n.protocol||n.protocol===e.protocol,a=n.hostname===document.domain&&n.port===e.port;return r.sameOrigin=i&&(!n.hostname||a),r}},{}],12:[function(t,n,e){function r(){}function o(t,n,e){return function(){return i(t,[f.now()].concat(s(arguments)),n?null:this,e),n?void 0:this}}var i=t("handle"),a=t(15),s=t(16),c=t("ee").get("tracer"),f=t("loader"),u=NREUM;"undefined"==typeof window.newrelic&&(newrelic=u);var d=["setPageViewName","setCustomAttribute","setErrorHandler","finished","addToTrace","inlineHit","addRelease"],l="api-",p=l+"ixn-";a(d,function(t,n){u[n]=o(l+n,!0,"api")}),u.addPageAction=o(l+"addPageAction",!0),u.setCurrentRouteName=o(l+"routeName",!0),n.exports=newrelic,u.interaction=function(){return(new r).get()};var h=r.prototype={createTracer:function(t,n){var e={},r=this,o="function"==typeof n;return i(p+"tracer",[f.now(),t,e],r),function(){if(c.emit((o?"":"no-")+"fn-start",[f.now(),r,o],e),o)try{return n.apply(this,arguments)}catch(t){throw c.emit("fn-err",[arguments,this,t],e),t}finally{c.emit("fn-end",[f.now()],e)}}}};a("setName,setAttribute,save,ignore,onEnd,getContext,end,get".split(","),function(t,n){h[n]=o(p+n)}),newrelic.noticeError=function(t){"string"==typeof t&&(t=new Error(t)),i("err",[t,f.now()])}},{}],13:[function(t,n,e){n.exports=function(t){if("string"==typeof t&&t.length)return t.length;if("object"==typeof t){if("undefined"!=typeof ArrayBuffer&&t instanceof ArrayBuffer&&t.byteLength)return t.byteLength;if("undefined"!=typeof Blob&&t instanceof Blob&&t.size)return t.size;if(!("undefined"!=typeof FormData&&t instanceof FormData))try{return JSON.stringify(t).length}catch(n){return}}}},{}],14:[function(t,n,e){var r=0,o=navigator.userAgent.match(/Firefox[\/\s](\d+\.\d+)/);o&&(r=+o[1]),n.exports=r},{}],15:[function(t,n,e){function r(t,n){var e=[],r="",i=0;for(r in t)o.call(t,r)&&(e[i]=n(r,t[r]),i+=1);return e}var o=Object.prototype.hasOwnProperty;n.exports=r},{}],16:[function(t,n,e){function r(t,n,e){n||(n=0),"undefined"==typeof e&&(e=t?t.length:0);for(var r=-1,o=e-n||0,i=Array(o<0?0:o);++r<o;)i[r]=t[n+r];return i}n.exports=r},{}],17:[function(t,n,e){n.exports={exists:"undefined"!=typeof window.performance&&window.performance.timing&&"undefined"!=typeof window.performance.timing.navigationStart}},{}],18:[function(t,n,e){function r(t){return!(t&&t instanceof Function&&t.apply&&!t[a])}var o=t("ee"),i=t(16),a="nr@original",s=Object.prototype.hasOwnProperty,c=!1;n.exports=function(t,n){function e(t,n,e,o){function nrWrapper(){var r,a,s,c;try{a=this,r=i(arguments),s="function"==typeof e?e(r,a):e||{}}catch(f){l([f,"",[r,a,o],s])}u(n+"start",[r,a,o],s);try{return c=t.apply(a,r)}catch(d){throw u(n+"err",[r,a,d],s),d}finally{u(n+"end",[r,a,c],s)}}return r(t)?t:(n||(n=""),nrWrapper[a]=t,d(t,nrWrapper),nrWrapper)}function f(t,n,o,i){o||(o="");var a,s,c,f="-"===o.charAt(0);for(c=0;c<n.length;c++)s=n[c],a=t[s],r(a)||(t[s]=e(a,f?s+o:o,i,s))}function u(e,r,o){if(!c||n){var i=c;c=!0;try{t.emit(e,r,o,n)}catch(a){l([a,e,r,o])}c=i}}function d(t,n){if(Object.defineProperty&&Object.keys)try{var e=Object.keys(t);return e.forEach(function(e){Object.defineProperty(n,e,{get:function(){return t[e]},set:function(n){return t[e]=n,n}})}),n}catch(r){l([r])}for(var o in t)s.call(t,o)&&(n[o]=t[o]);return n}function l(n){try{t.emit("internal-error",n)}catch(e){}}return t||(t=o),e.inPlace=f,e.flag=a,e}},{}],ee:[function(t,n,e){function r(){}function o(t){function n(t){return t&&t instanceof r?t:t?c(t,s,i):i()}function e(e,r,o,i){if(!l.aborted||i){t&&t(e,r,o);for(var a=n(o),s=h(e),c=s.length,f=0;f<c;f++)s[f].apply(a,r);var d=u[y[e]];return d&&d.push([g,e,r,a]),a}}function p(t,n){v[t]=h(t).concat(n)}function h(t){return v[t]||[]}function m(t){return d[t]=d[t]||o(e)}function w(t,n){f(t,function(t,e){n=n||"feature",y[e]=n,n in u||(u[n]=[])})}var v={},y={},g={on:p,emit:e,get:m,listeners:h,context:n,buffer:w,abort:a,aborted:!1};return g}function i(){return new r}function a(){(u.api||u.feature)&&(l.aborted=!0,u=l.backlog={})}var s="nr@context",c=t("gos"),f=t(15),u={},d={},l=n.exports=o();l.backlog=u},{}],gos:[function(t,n,e){function r(t,n,e){if(o.call(t,n))return t[n];var r=e();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(t,n,{value:r,writable:!0,enumerable:!1}),r}catch(i){}return t[n]=r,r}var o=Object.prototype.hasOwnProperty;n.exports=r},{}],handle:[function(t,n,e){function r(t,n,e,r){o.buffer([t],r),o.emit(t,n,e)}var o=t("ee").get("handle");n.exports=r,r.ee=o},{}],id:[function(t,n,e){function r(t){var n=typeof t;return!t||"object"!==n&&"function"!==n?-1:t===window?0:a(t,i,function(){return o++})}var o=1,i="nr@id",a=t("gos");n.exports=r},{}],loader:[function(t,n,e){function r(){if(!x++){var t=b.info=NREUM.info,n=l.getElementsByTagName("script")[0];if(setTimeout(u.abort,3e4),!(t&&t.licenseKey&&t.applicationID&&n))return u.abort();f(y,function(n,e){t[n]||(t[n]=e)}),c("mark",["onload",a()+b.offset],null,"api");var e=l.createElement("script");e.src="https://"+t.agent,n.parentNode.insertBefore(e,n)}}function o(){"complete"===l.readyState&&i()}function i(){c("mark",["domContent",a()+b.offset],null,"api")}function a(){return E.exists&&performance.now?Math.round(performance.now()):(s=Math.max((new Date).getTime(),s))-b.offset}var s=(new Date).getTime(),c=t("handle"),f=t(15),u=t("ee"),d=window,l=d.document,p="addEventListener",h="attachEvent",m=d.XMLHttpRequest,w=m&&m.prototype;NREUM.o={ST:setTimeout,SI:d.setImmediate,CT:clearTimeout,XHR:m,REQ:d.Request,EV:d.Event,PR:d.Promise,MO:d.MutationObserver};var v=""+location,y={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net",agent:"js-agent.newrelic.com/nr-1071.min.js"},g=m&&w&&w[p]&&!/CriOS/.test(navigator.userAgent),b=n.exports={offset:s,now:a,origin:v,features:{},xhrWrappable:g};t(12),l[p]?(l[p]("DOMContentLoaded",i,!1),d[p]("load",r,!1)):(l[h]("onreadystatechange",o),d[h]("onload",r)),c("mark",["firstbyte",s],null,"api");var x=0,E=t(17)},{}]},{},["loader",2,10,4,3]);</script>
    <meta name="viewport" content="width=device-width, initial-scale=1">
    <link rel="amphtml" href="https://amp.insurancejournal.com/news/southcentral/2017/09/28/465831.htm">
    <script>
!function(){var analytics=window.analytics=window.analytics||[];if(!analytics.initialize)if(analytics.invoked)window.console&&console.error&&console.error("Segment snippet included twice.");else{analytics.invoked=!0;analytics.methods=["trackSubmit","trackClick","trackLink","trackForm","pageview","identify","reset","group","track","ready","alias","page","once","off","on"];analytics.factory=function(t){return function(){var e=Array.prototype.slice.call(arguments);e.unshift(t);analytics.push(e);return analytics}};for(var t=0;t<analytics.methods.length;t++){var e=analytics.methods[t];analytics[e]=analytics.factory(e)}analytics.load=function(t){var e=document.createElement("script");e.type="text/javascript";e.async=!0;e.src=("https:"===document.location.protocol?"https://":"http://")+"cdn.segment.com/analytics.js/v1/"+t+"/analytics.min.js";var n=document.getElementsByTagName("script")[0];n.parentNode.insertBefore(e,n)};analytics.SNIPPET_VERSION="3.1.0";
analytics.load("Saj7sFK0VnscWFClcqscVeMd3nlORioG");
analytics.page({"platform":"web","category":"southcentral","author":"Juan A. Lozano"});
}}();
</script>


    <title>Texas Homeowners Say They Weren&#8217;t Warned about Flooding Risks</title>

<!-- This site is optimized with the Yoast SEO plugin v6.1.1 - https://yoa.st/1yg?utm_content=6.1.1 -->
<meta name="description" content="More than 20 years before Hurricane Harvey, officials in suburban Houston were aware that a heavy storm could cause a reservoir to overflow and inundate ne"/>
<link rel="canonical" href="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm" />
<meta property="og:locale" content="en_US" />
<meta property="og:type" content="article" />
<meta property="og:title" content="Texas Homeowners Say They Weren&#039;t Warned about Flooding Risks" />
<meta property="og:description" content="More than 20 years before Hurricane Harvey, officials in suburban Houston were aware that a heavy storm could cause a reservoir to overflow and inundate ne" />
<meta property="og:url" content="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm" />
<meta property="og:site_name" content="Insurance Journal" />
<meta property="article:publisher" content="https://www.facebook.com/insurancejournal" />
<meta property="article:tag" content="Addicks Reservoir overflow" />
<meta property="article:tag" content="barker reservoir overflow" />
<meta property="article:tag" content="Flood Insurance" />
<meta property="article:tag" content="flooding risk" />
<meta property="article:tag" content="Hurricane Harvey" />
<meta property="article:section" content="Texas / South Central News" />
<meta property="article:published_time" content="2017-09-28T01:55:39-05:00" />
<meta property="article:modified_time" content="2017-09-29T12:49:19-05:00" />
<meta property="og:updated_time" content="2017-09-29T12:49:19-05:00" />
<meta property="fb:app_id" content="106194681485" />
<meta property="og:image" content="https://www.insurancejournal.com/app/uploads/2017/09/harveydebris_fema2.jpg" />
<meta property="og:image:secure_url" content="https://www.insurancejournal.com/app/uploads/2017/09/harveydebris_fema2.jpg" />
<meta property="og:image:width" content="3161" />
<meta property="og:image:height" content="2093" />
<meta name="twitter:card" content="summary" />
<meta name="twitter:description" content="More than 20 years before Hurricane Harvey, officials in suburban Houston were aware that a heavy storm could cause a reservoir to overflow and inundate ne" />
<meta name="twitter:title" content="Texas Homeowners Say They Weren&#039;t Warned about Flooding Risks" />
<meta name="twitter:site" content="@ijournal" />
<meta name="twitter:image" content="https://www.insurancejournal.com/app/uploads/2017/09/harveydebris_fema2.jpg" />
<meta name="twitter:creator" content="@ijournal" />
<script type='application/ld+json'>{"@context":"http:\/\/schema.org","@type":"WebSite","@id":"#website","url":"https:\/\/www.insurancejournal.com\/","name":"Insurance Journal","potentialAction":{"@type":"SearchAction","target":"https:\/\/www.insurancejournal.com\/?s={search_term_string}","query-input":"required name=search_term_string"}}</script>
<!-- / Yoast SEO plugin. -->

<link rel='dns-prefetch' href='//code.jquery.com' />
<link rel='dns-prefetch' href='//s7.addthis.com' />
<link rel='dns-prefetch' href='//s.w.org' />
<link rel='stylesheet' id='sage/css-css'  href='https://www.insurancejournal.com/app/themes/insurancejournal/dist/styles/main-ab59367417.css' type='text/css' media='all' />
    <script id="zones">
    <!--// <![CDATA[
        var OA_source = ""
        var OA_zones = {'interstitial':"",'header-728x90':63,'footer-728x90':64,'right-125x125-1':"",'right-125x125-2':"",'right-125x125-3':"",'right-125x125-4':"",'right-125x125-5':"",'right-125x125-6':"",'research-sidebar-1':137,'research-sidebar-2':137,'right-300x250-1':62,'right-2nd-300x250-1':75,'site-partner':89,'video-sponsor':41,'poll-sponsor':134,'article-billboard':104,'afl-1':65,'afl-2':65,'content-300x250-1':69,'intext':79}
    // ]]> -->
    </script>
    <link rel='https://api.w.org/' href='https://www.insurancejournal.com/wp-json/' />
<link rel="alternate" type="application/json+oembed" href="https://www.insurancejournal.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm" />
<link rel="alternate" type="text/xml+oembed" href="https://www.insurancejournal.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm&#038;format=xml" />
			<meta property="fb:pages" content="75524109257" />
							<meta property="ia:markup_url" content="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm?ia_markup=1" />
				<link rel="icon" href="https://www.insurancejournal.com/app/uploads/2015/12/cropped-insurancejournal-32x32.jpg" sizes="32x32" />
<link rel="icon" href="https://www.insurancejournal.com/app/uploads/2015/12/cropped-insurancejournal-192x192.jpg" sizes="192x192" />
<link rel="apple-touch-icon-precomposed" href="https://www.insurancejournal.com/app/uploads/2015/12/cropped-insurancejournal-180x180.jpg" />
<meta name="msapplication-TileImage" content="https://www.insurancejournal.com/app/uploads/2015/12/cropped-insurancejournal-270x270.jpg" />
</head>

    <body class="post-template-default single single-post postid-465831 single-format-standard 465831.htm">
        <!-- Begin Header -->
<header class="header">
    <div class="header-topbar">
    <div class="container">
        <ul class="menu menu-horizontal menu-topbar clearfix">
            <li class="menu-item"><a href="https://www.mynewmarkets.com/">MyNewMarkets.com</a></li>
            <li class="menu-item"><a href="https://www.claimsjournal.com/">Claims Journal</a></li>
            <li class="menu-item"><a href="https://www.insurancejournal.tv/">Insurance Journal TV</a></li>
            <li class="menu-item"><a href="https://www.ijacademy.com/">Academy of Insurance</a></li>
            <li class="menu-item"><a href="https://www.carriermanagement.com/">Carrier Management</a></li>
        </ul>
    </div>
</div>

    <div class="header-main">
    <div class="container">
        <div class="row">
            <div class="col col-sm-5 col-md-4">
                <a href="/" class="logo logo-header">
    <img src="https://www.insurancejournal.com/img/insurance-journal-logo-340.png" alt="Insurance Journal - Property Casualty Industry News">
</a>            </div>

            <div class="col col-sm-7 col-md-5">
                <div class="featured-stories featured-stories-header">
    <h3>Featured Stories</h3>
    <ul class="menu menu-header">
            <li class="menu-item"><a href="https://www.insurancejournal.com/news/southeast/2018/02/16/480807.htm">South Carolina Drone-Helicopter Encounter</a></li>
            <li class="menu-item"><a href="https://www.insurancejournal.com/news/southcentral/2018/02/15/480739.htm">Family Gets $8 Million for Missing Body</a></li>
        </ul>
</div>
                <ul class="nav nav-tabs tabs tabs-header" role="tablist">
    <li role="presentation" class="active"><a href="#search-news" aria-controls="search-news" role="tab" data-toggle="tab">News</a></li>
    <li role="presentation"><a href="#search-markets" aria-controls="search-markets" role="tab" data-toggle="tab">Markets</a></li>
    </ul>
<div class="tab-content search search-header">
    <div role="tabpanel" class="tab-pane active" id="search-news">
        <form action="/search/" method="get" class="clearfix">
            <input type="hidden" value="news" name="section">
            <input type="text" class="large" name="q" value="">
            <input type="submit" value="Search">
        </form>
    </div>
    <div role="tabpanel" class="tab-pane" id="search-markets">
        <form action="/search/" method="get" class="clearfix">
            <input type="hidden" value="markets" name="section">
            <input type="text" class="large" name="q" value="">
            <input type="submit" value="Search">
        </form>
    </div>
    </div>
            </div>

            <div class="col col-md-3 hidden-sm hidden-xs">
                <div class="bzn bzn-site-partner">
        <ins data-revive-zoneid="89" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div>            </div>
        </div>
    </div>
</div>
    <div class="header-nav">
    <div class="container">
        <nav id="nav">
            <ul class="menu menu-horizontal menu-main clearfix">
                                <li class="hidden-sm hidden-xs menu-item has-submenu">
                    <a href="/" id="nav-front">Front Page<span class="caret"></span></a>
                    <ul class="menu-submenu">
                        <li class="menu-item"><a href="/news/national/">National</a></li>
                        <li class="menu-item"><a href="/news/international/">International</a></li>
                        <li class="menu-item"><a href="/mostpopular/">Most Popular</a></li>
                        <li class="menu-item"><a href="/magazines/">Magazine</a></li>
                        <li class="menu-item"><a href="/forums/">Forums</a></li>
                        <li class="menu-item"><a href="/blogs/">Blogs</a></li>
                        <li class="menu-item"><a href="http://www.insurancejournal.tv/">Videos/Podcasts</a></li>
                        <li class="menu-item"><a href="/subscribe/">Newsletters</a></li>
                    </ul>
                </li>
                <li class="menu-item has-submenu current">
                    <a href="/news/">News<span class="caret"></span></a>
                    <ul class="menu-submenu">
                        <li class="menu-item"><a href="/mostpopular/">Most Popular</a></li>
                        <li class="menu-item"><a href="/news/national/">National</a></li>
                        <li class="menu-item"><a href="/news/international/">International</a></li>
                        <li class="menu-item"><a href="/news/east/">East</a></li>
                        <li class="menu-item"><a href="/news/midwest/">Midwest</a></li>
                        <li class="menu-item current"><a href="/news/southcentral/">South Central</a></li>
                        <li class="menu-item"><a href="/news/southeast/">Southeast</a></li>
                        <li class="menu-item"><a href="/news/west/">West</a></li>
                    </ul>
                </li>
                <li class="menu-item has-submenu">
                    <a href="/magazines/">Magazines<span class="caret"></span></a>
                    <ul class="menu-submenu">
                        <li class="menu-item"><a href="/magazines/east/">East</a></li>
                        <li class="menu-item"><a href="/magazines/midwest/">Midwest</a></li>
                        <li class="menu-item"><a href="/magazines/southcentral/">South Central</a></li>
                        <li class="menu-item"><a href="/magazines/southeast/">Southeast</a></li>
                        <li class="menu-item"><a href="/magazines/west/">West</a></li>
                        <li class="menu-item"><a href="/subscribe/magazine/">Subscribe</a></li>
                    </ul>
                </li>
                <li class="menu-item hidden-xs"><a href="https://www.insurancejournal.com/research/">Research</a></li>
                <li class="menu-item hidden-xs"><a href="/directories/">Directories</a></li>
                <li class="menu-item">
                    <a href="/jobs/">Jobs</a>
                </li>
                                <li class="menu-item hidden-xs has-submenu">
                    <a href="#">Features<span class="caret"></span></a>
                    <ul class="menu-submenu">
                        <li class="menu-item"><a href="/events/">Events</a></li>
                        <li class="menu-item"><a href="/forums/">Forums</a></li>
                        <li class="menu-item"><a href="/buyers/">Buyers Guide</a></li>
                        <li class="menu-item"><a href="/twitter/">Insurance Twitter</a></li>
                        <li class="menu-item"><a href="/directories/">Market Directories</a></li>
                        <li class="menu-item"><a href="/adshowcase/">Ad Showcase</a></li>
                        <li class="menu-item"><a href="/quotes/">Quotes</a></li>
                        <li class="menu-item"><a href="/polls/">Polls</a></li>
                    </ul>
                </li>
                <li class="menu-item"><a href="/subscribe/">Subscribe</a></li>
            </ul>
        </nav>
    </div>
</div>
</header>
<!-- End Header -->
        <div class="wrap container" role="document">
                        
            
            <div class="content row">
                <main class="main">
                    
<div class="article-feed" data-infinite-scroll data-toc="[{&quot;id&quot;:465831,&quot;title&quot;:&quot;Texas Homeowners Say They Weren&amp;#8217;t Warned about Flooding Risks&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/southcentral\/2017\/09\/28\/465831.htm&quot;,&quot;author&quot;:&quot;Juan A. Lozano&quot;,&quot;category&quot;:&quot;southcentral&quot;},{&quot;id&quot;:480953,&quot;title&quot;:&quot;Virginia Woman Gets Four Years for Fraud, Fake Death Notice&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/east\/2018\/02\/16\/480953.htm&quot;,&quot;author&quot;:&quot;&quot;,&quot;category&quot;:&quot;east&quot;},{&quot;id&quot;:480807,&quot;title&quot;:&quot;Drone Suspected in Helicopter Crash Landing in South Carolina&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/southeast\/2018\/02\/16\/480807.htm&quot;,&quot;author&quot;:&quot;Alan Levin&quot;,&quot;category&quot;:&quot;southeast&quot;},{&quot;id&quot;:480935,&quot;title&quot;:&quot;Zurich, Insurtech Startup CoverWallet Offer End-to-End Insurance for SMEs&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/international\/2018\/02\/16\/480935.htm&quot;,&quot;author&quot;:&quot;&quot;,&quot;category&quot;:&quot;international&quot;},{&quot;id&quot;:479603,&quot;title&quot;:&quot;Oregon Cyclist Injured After Naked Bike Ride Sues for $566K&quot;,&quot;permalink&quot;:&quot;https:\/\/www.insurancejournal.com\/news\/west\/2018\/02\/05\/479603.htm&quot;,&quot;author&quot;:&quot;&quot;,&quot;category&quot;:&quot;west&quot;}]">

    <!-- Begin Entry -->
<article
    class="article post-465831 post type-post status-publish format-standard has-post-thumbnail hentry category-southcentral tag-addicks-reservoir-overflow tag-barker-reservoir-overflow tag-flood-insurance tag-flooding-risk tag-hurricane-harvey"    data-id="465831"
    data-permalink="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm"
>
    <div class="bzn bzn-header-728x90 bzn-between-articles">
        <ins data-revive-zoneid="63" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div>
    
    <div class="row">
        <div class="main with-sidebar article-main article-equal-heights">
                        <header class="entry-header">
                
<div id="article-header">
    <h1>Texas Homeowners Say They Weren&#8217;t Warned about Flooding Risks</h1>
    <div class="publish-date">
                By <a href="https://www.insurancejournal.com/author/juan-a-lozano/" title="Posts by Juan A. Lozano" class="author url fn" rel="author">Juan A. Lozano</a> |                 <span class="the-date">September 28, 2017</span>    </div>
</div>

<div class="featured-image"><img width="580" height="384" src="https://www.insurancejournal.com/app/uploads/2017/09/harveydebris_fema2-580x384.jpg" class="feature-image wp-post-image" alt="" srcset="https://www.insurancejournal.com/app/uploads/2017/09/harveydebris_fema2-580x384.jpg 580w, https://www.insurancejournal.com/app/uploads/2017/09/harveydebris_fema2-300x199.jpg 300w, https://www.insurancejournal.com/app/uploads/2017/09/harveydebris_fema2-768x509.jpg 768w" sizes="(max-width: 580px) 100vw, 580px" style="margin-top:-2px;" /></div>
<div class="article-tools clearfix">
    <div class="left">
        <a href="mailto:?subject=Texas%20Homeowners%20Say%20They%20Weren%26%238217%3Bt%20Warned%20about%20Flooding%20Risks&amp;body=Texas%20Homeowners%20Say%20They%20Weren%26%238217%3Bt%20Warned%20about%20Flooding%20Risks%0Ahttps%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm" rel="nofollow" class="article-tool print" onClick="_gaq.push(['_trackEvent', 'Email This', 'Type', 'Article Tools']);">
            <i class="icon-envelope"></i> Email This
        </a>

        <span class="separator"></span>
        <a href="/subscribe/" rel="nofollow" class="article-tool subscribe">
            <i class="icon-newspaper-o"></i> Subscribe to Newsletter
        </a>
    </div>
        <div class="right">
        <a title="Email to a friend" href="mailto:?subject=Texas%20Homeowners%20Say%20They%20Weren%26%238217%3Bt%20Warned%20about%20Flooding%20Risks&amp;body=Texas%20Homeowners%20Say%20They%20Weren%26%238217%3Bt%20Warned%20about%20Flooding%20Risks%0Ahttps%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm" class="icon-envelope social-link email" onClick="_gaq.push(['_trackEvent', 'Email This', 'Type', 'Article Tools']);">
            Email to a friend
        </a>
        <a title="Post to Facebook." target="_blank" class="icon-facebook social-link facebook" href="https://www.facebook.com/sharer/sharer.php?u=https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm">
            Facebook
        </a>
        <a title="Share on Twitter." class="icon-twitter social-link twitter" target="_blank" href="https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm&amp;text=Texas+Homeowners+Say+They+Weren%26%238217%3Bt+Warned+about+Flooding+Risks&amp;url=https%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm">
            Tweet
        </a>
        <a title="Share on LinkedIn." target="_blank" class="icon-linkedin social-link linkedin" href="https://www.linkedin.com/shareArticle?mini=true&amp;url=https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm">
            LinkedIn
        </a>
        <a title="Print Article" href="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm?print" class="icon-print social-link print" onClick="_gaq.push(['_trackEvent', 'Print', 'Type', 'Article Print']);">
            Print Article
        </a>
    </div>
    </div>


            </header>
            
            <div class="entry-content">
                
<ul class="nav nav-tabs tabs tabs-entry">
    <li  class="active"><a href="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm">Article</a></li>
    <li ><a href="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm/?comments" rel="nofollow">17 Comments</a></li>
    </ul>    <div class="article-content clearfix">
        <p>More than 20 years before Hurricane Harvey, officials in suburban Houston were aware that a heavy storm could cause a reservoir to overflow and inundate nearby homes with water. So they issued a warning to potential home buyers.</p>
<p>But they put the warning in an obscure place: deep in the same public land records that list street dimensions and the layout of utilities in a subdivision.</p><div class="bzn bzn-intext">
        <ins data-revive-zoneid="79" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div>
<p>Now many of the 3,000 suburban Houston homeowners who were flooded during Harvey question whether local officials did enough to caution them about the dangers of flooding from big rainstorms.</p>
<p>&#8220;A disclosure like this shouldn&#8217;t have been buried in county records,&#8221; said Eli Magaña, who with his wife, Marcela, knew nothing of the warning or that his home was near the usually dry reservoir when they bought it less than a year ago.</p>
<p>Last week, the Maganas were tearing out and cleaning the inside of their home, which stood in four feet of water for more than a week. The couple wore thick gloves and dust masks as they sprayed disinfectant on exposed wooden beams. A huge pile of debris sat on their front lawn.</p>
<p>Fort Bend County&#8217;s top elected official said homeowners have a right to be upset, but information about the flooding risk around the Barker Reservoir was available if they had done research. Judge Robert Hebert acknowledged that he &#8220;wouldn&#8217;t have researched to that extent&#8221; either.</p>
<p>&#8220;Hindsight being 20/20, if I had known this was going to happen, I would have let everybody know a couple of months ago,&#8221; Hebert said.</p>
<p>The Barker Reservoir and a similar nearby basin, the Addicks Reservoir, were both built in the mid-1940s to collect excessive rainfall and release it downstream at a controlled rate. The lake beds are usually dry, with trees and tall grasses covering the low-lying terrain that also includes some parks. But when heavy rain arrives, the two reservoirs are designed to catch the deluge and prevent flooding in downtown Houston and other urban areas to the east.</p><div class="bzn bzn-intext-2">
        <ins data-revive-zoneid="162" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div>
<p>Both dams sit mainly in Harris County, which includes Houston, but a portion of the Barker dam extends into neighboring Fort Bend County. The reservoirs are run by the U.S. Army Corps of Engineers.</p>
<p>When developers began to build subdivisions just west and upstream of the Barker Reservoir in the 1990s, Fort Bend County officials debated whether to include the flood warning in an obscure land record known as a plat. Developers balked at the warning, but county officials decided to include it for parts of at least six subdivisions, Hebert said.</p>
<p>The existence of the plat was first reported by The Dallas Morning News.</p>
<p>The language said simply that subdivisions near the Barker Reservoir could be &#8220;subject to extended controlled inundation&#8221; under the management of the Corps of Engineers.</p>
<p>&#8220;Whether or not the people were advised that statement existed, I don&#8217;t know,&#8221; said Hebert, adding that he understood that Texas does not require any such warning to be included in closing documents.</p>
<p>Magana said the warning was not mentioned in any of the documents he received when he bought his home in December. Many of his neighbors did not know about it either.</p>
<p>Because their houses are not considered to be in a 100-year floodplain, many of the affected homeowners, including Magana, did not have flood insurance. A home in such a floodplain has a 1 percent chance each year of being flooded.</p>
<p>&#8220;Either buy us out or fix the flood-management system,&#8221; said Binay Anand, an engineer whose home was filled with 21/2 feet of water.</p>
<p>But because they are not in the 100-year floodplain, the homeowners will probably be ineligible for any kind of government buyout, Hebert said.</p>
<p>The county judge is petitioning Congress and federal lawmakers to provide some sort of financial help because the county does not have the means to offer any kind of buyout program.</p>
<p>Several subdivisions adjacent to the Addicks and Barker reservoirs in Harris County were also flooded due to spillover from the back of the dams.</p>
<p>A spokeswoman for the Harris County Engineering Department said there&#8217;s no language in that county&#8217;s plat comparable to the warning listed in Fort Bend County records.</p>
<p>&#8220;Historically, the county has not included any floodplain information on the plat,&#8221; Dimetra Hamilton said.</p>
<p>Harris County officials said stringent floodplain management requirements resulted in fewer homes near the reservoirs getting flooded during Harvey.</p>
<p>The Corps of Engineers, which is being sued over its decision to release water from the reservoirs, declined to comment.</p>
<p>Magana, 33, who works in public relations, said he will rebuild his home in the Canyon Gate subdivision, but he worries about another heavy rainfall. Buying out the properties and making them part of the natural reservoir would help fix the flooding situation for a lot of people, he said.</p>
<p>&#8220;It&#8217;s not just about me and my home and this community,&#8221; Magana said. &#8220;This is about saving &#8230; the larger Houston metropolitan area&#8221; from flooding.</p>
</p></p><div class="copyright-notice lite">Copyright 2018 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</div>    </div>
    <div class="subscribe-banner subscribe-banner-in-content">
    <img src="/img/subscribe-background-580x250.png" alt="subscribe">
    <div class="content">
        <h4>Want to stay up to date?</h4>
        <p>Get the latest insurance news<br>sent straight to your inbox.</p>
        <form action="https://www.insurancejournal.com/subscribe/store" method="post">
            <input type="hidden" name="subscriber_source" value="ij/single-footer">
            <input type="hidden" name="newsletters[]" value="1a869caa25-6105">
            <input type="hidden" name="all_newsletters" value="a0faa7527e-4709,1a869caa25-6105,1a869caa25-6109,1a869caa25-6133,1a869caa25-6117,1a869caa25-6113,1a869caa25-6129,1a869caa25-6125,1a869caa25-6137,1a869caa25-6141,2325ff2e4f-6157,b8316ac465-6101,b8316ac465-6097,9463e36914-6093,57f20b1aa2-6145">

            <input type="text" name="twitter" class="twitter-input">
            <input type="email" name="email" placeholder="Enter your email" required="required">
            <button type="submit">Submit</button>
        </form>
    </div>
</div>
<div class="article-tools clearfix">
    <div class="left">
        <a href="mailto:?subject=Texas%20Homeowners%20Say%20They%20Weren%26%238217%3Bt%20Warned%20about%20Flooding%20Risks&amp;body=Texas%20Homeowners%20Say%20They%20Weren%26%238217%3Bt%20Warned%20about%20Flooding%20Risks%0Ahttps%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm" rel="nofollow" class="article-tool print" onClick="_gaq.push(['_trackEvent', 'Email This', 'Type', 'Article Tools']);">
            <i class="icon-envelope"></i> Email This
        </a>

        <span class="separator"></span>
        <a href="/subscribe/" rel="nofollow" class="article-tool subscribe">
            <i class="icon-newspaper-o"></i> Subscribe to Newsletter
        </a>
    </div>
        <div class="right">
        <a title="Email to a friend" href="mailto:?subject=Texas%20Homeowners%20Say%20They%20Weren%26%238217%3Bt%20Warned%20about%20Flooding%20Risks&amp;body=Texas%20Homeowners%20Say%20They%20Weren%26%238217%3Bt%20Warned%20about%20Flooding%20Risks%0Ahttps%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm" class="icon-envelope social-link email" onClick="_gaq.push(['_trackEvent', 'Email This', 'Type', 'Article Tools']);">
            Email to a friend
        </a>
        <a title="Post to Facebook." target="_blank" class="icon-facebook social-link facebook" href="https://www.facebook.com/sharer/sharer.php?u=https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm">
            Facebook
        </a>
        <a title="Share on Twitter." class="icon-twitter social-link twitter" target="_blank" href="https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm&amp;text=Texas+Homeowners+Say+They+Weren%26%238217%3Bt+Warned+about+Flooding+Risks&amp;url=https%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fsouthcentral%2F2017%2F09%2F28%2F465831.htm">
            Tweet
        </a>
        <a title="Share on LinkedIn." target="_blank" class="icon-linkedin social-link linkedin" href="https://www.linkedin.com/shareArticle?mini=true&amp;url=https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm">
            LinkedIn
        </a>
        <a title="Print Article" href="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm?print" class="icon-print social-link print" onClick="_gaq.push(['_trackEvent', 'Print', 'Type', 'Article Print']);">
            Print Article
        </a>
    </div>
    </div>
<div class="related-items">
    <ul>
        <li><span><strong>Categories:</strong> <a href="https://www.insurancejournal.com/news/southcentral/" rel="category tag">Texas / South Central News</a></span><span><strong>Topics:</strong> <a href="https://www.insurancejournal.com/topics/addicks-reservoir-overflow/" rel="tag">Addicks Reservoir overflow</a>, <a href="https://www.insurancejournal.com/topics/barker-reservoir-overflow/" rel="tag">barker reservoir overflow</a>, <a href="https://www.insurancejournal.com/topics/flood-insurance/" rel="tag">Flood Insurance</a>, <a href="https://www.insurancejournal.com/topics/flooding-risk/" rel="tag">flooding risk</a>, <a href="https://www.insurancejournal.com/topics/hurricane-harvey/" rel="tag">Hurricane Harvey</a></span></li>
        <li>
            <em>Have a hot lead?  Email us at <a href="mailto:newsdesk@insurancejournal.com">newsdesk@insurancejournal.com</a></em>
        </li>
    </ul>
</div>
            </div>

            <footer class="entry-footer">
                        <div id="article-bottom">
            <div id="execphp-16" class="block widget_execphp">			<div class="execphpwidget"><div class="bzn bzn-article-billboard">
        <ins data-revive-zoneid="104" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div></div>
		</div>        </div>
            <div class="block entry-sponsored-links">
        <h4 style="background: none repeat scroll 0 0 #EEE;color: #333;font-size: 16px;font-weight: bold;margin: 1.5em 0 0.5em;padding: 4px 12px;">
            Advertisers
        </h4>
        <div class="bzn bzn-afl-1">
        <ins data-revive-zoneid="65" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div><div class="bzn bzn-afl-2">
        <ins data-revive-zoneid="65" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div><div class="bzn bzn-afl-3">
        <ins data-revive-zoneid="65" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div>    </div>
        <div id="featured-comments">
        <h4>Featured Comment</h4>
        <ul class="commentlist">
                <li id="li-comment-4630198">
        <div id="comment-4630198" class="comment even thread-even depth-1">
            <div class="posted">
                                    October 2, 2017 at 10:17 am                                            </div>
            <div class="comment-author vcard">
                <img alt='' src='https://secure.gravatar.com/avatar/9fd3433ebcd17d68de1b98e341785e2f?s=40&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/9fd3433ebcd17d68de1b98e341785e2f?s=80&#038;d=mm&#038;r=g 2x' class='avatar avatar-40 photo' height='40' width='40' />                <cite class="fn">HoustonAgent</cite> <span class="says">says:</span>            </div>
                        <div class="comment-body">
                <div class="CommentRating">Like or Dislike:<div class="left"><img style="padding: 0px; margin: 0px; border: none; cursor: pointer;" id="up-4630198" src="https://www.insurancejournal.com/app/plugins/comment-rating-pro/images/1_16_up.png" alt="Thumb up" onclick="javascript:ckratingKarma('4630198', 'add', 'www.insurancejournal.com/app/plugins/comment-rating-pro/', '1_16_');" title="Thumb up" /> <span id="karma-4630198-up" style="font-size:12px; color:#009933;">9</span><div class="right"><img style="padding: 0px; margin: 0px; border: none; cursor: pointer;" id="down-4630198" src="https://www.insurancejournal.com/app/plugins/comment-rating-pro/images/1_16_down.png" alt="Thumb down" onclick="javascript:ckratingKarma('4630198', 'subtract', 'www.insurancejournal.com/app/plugins/comment-rating-pro/', '1_16_')" title="Thumb down" /> <span id="karma-4630198-down" style="font-size:12px; color:#990033;">0</span></div></div></div><p>The majority of people who have lived in Houston many years have two trains of thought:<br />
1. My house has been in this location for X number of years, and I haven&#8217;t seen it flood, therefore, I do not require flood insurance.<br />
2. I&#8217;ve seen and heard of homes flooding many times, therefore, I should probably have flood insurance just in case. </p>
<p>For people moving to Houston, which Houston has a greater influx population every year, the train of thought is typically passed through realtors, who&#8217;s only incentive is to sell the property to an unwitting individual. They tell foreigners and people from out-of-state that they are not in a flood plain. They skip around the idea of a home being in a flood prone area. I can personally attest that I have insured two people who were ready to buy a home, I informed them that they were in an area needed flood coverage, they backed out of purchasing the home once they were fully aware of the risks. </p>
<p>Why am I, as an insurance representative, having to save my customers from being cheated. The realtors should be there to assist their customers in purchasing a safe secure home, with additional information regarding each home location. Uncovering these details is as much the realtors responsibility as it is the government&#8217;s responsibility to ensure this information is easily accessible.</p>
            </div>

            <div class="reply">
                            </div><!-- .reply -->
        </div><!-- #comment-##  -->

            </ul>
    </div>
        <div id="latest-comments">
        <h4>Latest Comments</h4>

        <ul class="commentlist">
            <li id="li-comment-4637459">
        <div id="comment-4637459" class="comment odd alt thread-odd thread-alt depth-1">
            <div class="posted">
                                    October 4, 2017 at 3:51 pm                                            </div>
            <div class="comment-author vcard">
                <img alt='' src='https://secure.gravatar.com/avatar/cea94388ac762c85114a9468b4c54fc2?s=40&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/cea94388ac762c85114a9468b4c54fc2?s=80&#038;d=mm&#038;r=g 2x' class='avatar avatar-40 photo' height='40' width='40' />                <cite class="fn">Don't Call Me Shirley</cite> <span class="says">says:</span>            </div>
                        <div class="comment-body">
                The motivation would be to sell these homes, so that the developers can make money.            </div>

            <div class="reply">
                            </div><!-- .reply -->
        </div><!-- #comment-##  -->

        <li id="li-comment-4637455">
        <div id="comment-4637455" class="comment even thread-even depth-1">
            <div class="posted">
                                    October 4, 2017 at 3:44 pm                                            </div>
            <div class="comment-author vcard">
                <img alt='' src='https://secure.gravatar.com/avatar/9fd3433ebcd17d68de1b98e341785e2f?s=40&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/9fd3433ebcd17d68de1b98e341785e2f?s=80&#038;d=mm&#038;r=g 2x' class='avatar avatar-40 photo' height='40' width='40' />                <cite class="fn">HoustonAgent</cite> <span class="says">says:</span>            </div>
                        <div class="comment-body">
                The realtors just failed to mention the homes were located in an AE zone to the prospective buyers, and yes, both my clients lost the deposits they paid down. Indirectly lying... <a href="/news/southcentral/2017/09/28/465831.htm?comments#comment-4637455">read more</a>            </div>

            <div class="reply">
                            </div><!-- .reply -->
        </div><!-- #comment-##  -->

        <li id="li-comment-4636937">
        <div id="comment-4636937" class="comment odd alt thread-odd thread-alt depth-1">
            <div class="posted">
                                    October 4, 2017 at 8:40 am                                            </div>
            <div class="comment-author vcard">
                <img alt='' src='https://secure.gravatar.com/avatar/f03b5cc7b6e01d294a894c08c7f02b48?s=40&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/f03b5cc7b6e01d294a894c08c7f02b48?s=80&#038;d=mm&#038;r=g 2x' class='avatar avatar-40 photo' height='40' width='40' />                <cite class="fn">Shady</cite> <span class="says">says:</span>            </div>
                        <div class="comment-body">
                Aren't the realtors lying when they describe the properties as not in a flood zone? How did you get the truth to the potential homebuyers - did they lose their deposit when th... <a href="/news/southcentral/2017/09/28/465831.htm?comments#comment-4636937">read more</a>            </div>

            <div class="reply">
                            </div><!-- .reply -->
        </div><!-- #comment-##  -->

            </ul>
    </div>
                                    <div id="respond" class="clearfix">
                <h3 id="reply-title"><a class="comment-button comment-add" data-toggle-comments data-toggle-text="Cancel">Add a Comment</a><a class="comment-button comment-all" href="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm/?comments">See All Comments (17)</a><span class="comment-form-heading">Add a Comment</span> <small><a rel="nofollow" id="cancel-comment-reply-link" href="/news/southcentral/2017/09/28/465831.htm#respond" style="display:none;">Cancel reply</a></small></h3>
                                    <form action="https://www.insurancejournal.com/wp/wp-comments-post.php" method="post" id="commentform">
                                                                            <p class="comment-notes">Your email address will not be published. Required fields are marked <span class="required">*</span></p>                            <p class="comment-form-author"><label for="author">Name</label> <span class="required">*</span><input id="author" name="author" type="text" value="" size="30" aria-required='true' /></p>
<p class="comment-form-email"><label for="email">Email</label> <span class="required">*</span><input id="email" name="email" type="text" value="" size="30" aria-required='true' /></p>
                                                <p class="comment-form-comment"><label for="comment">Comment</label><textarea id="comment" name="comment" cols="45" rows="8" aria-required="true"></textarea></p>                                                <p class="form-submit">
                            <input name="submit" type="submit" id="submit" value="Post Comment" />
                            <input type='hidden' name='comment_post_ID' value='465831' id='comment_post_ID' />
<input type='hidden' name='comment_parent' id='comment_parent' value='0' />
                        </p>
                                                <p style="display: none;"><input type="hidden" id="akismet_comment_nonce" name="akismet_comment_nonce" value="689d2291ca" /></p><p style="display: none;"><input type="hidden" id="ak_js" name="ak_js" value="144"/></p><p><input type="checkbox" name="notify_me" id="notify_me" value="yes" /><label for="comment_mail_notify">Notify me of comments via e-mail</label></p>                        <input type="hidden" name="redirect_to" value="/news/southcentral/2017/09/28/465831.htm" />
                    </form>
                            </div><!-- #respond -->
                        <div style="background:#eee;color:#333;font-size:16px;font-weight:bold;margin:1.5em 0 0.5em;padding:4px 12px;">More News</div><div class="article-grid-list row"><div class="col col-sm-3"><a href="https://www.insurancejournal.com/blogs/research-trends/2018/02/16/480991.htm"><img width="134" height="134" src="https://www.insurancejournal.com/app/uploads/2018/02/redkeys-150x150.jpeg" class="attachment-134x134 size-134x134 wp-post-image" alt="" srcset="https://www.insurancejournal.com/app/uploads/2018/02/redkeys-150x150.jpeg 150w, https://www.insurancejournal.com/app/uploads/2018/02/redkeys-32x32.jpeg 32w, https://www.insurancejournal.com/app/uploads/2018/02/redkeys-50x50.jpeg 50w, https://www.insurancejournal.com/app/uploads/2018/02/redkeys-64x64.jpeg 64w, https://www.insurancejournal.com/app/uploads/2018/02/redkeys-96x96.jpeg 96w, https://www.insurancejournal.com/app/uploads/2018/02/redkeys-128x128.jpeg 128w" sizes="(max-width: 134px) 100vw, 134px" />Who&#8217;s Insuring Your Privacy?</a></div><div class="col col-sm-3"><a href="https://www.insurancejournal.com/news/national/2018/02/16/480956.htm"><img width="134" height="134" src="https://www.insurancejournal.com/app/uploads/2016/03/car-crash-150x150.jpg" class="attachment-134x134 size-134x134 wp-post-image" alt="" />Motor Vehicle Deaths in U.S. Again Top 40,000</a></div><div class="col col-sm-3"><a href="https://www.insurancejournal.com/news/national/2018/02/16/480933.htm"><img width="134" height="134" src="https://www.insurancejournal.com/app/uploads/2013/06/prescription_drugs-150x150.jpg" class="attachment-134x134 size-134x134 wp-post-image" alt="" />Trump&#8217;s FTC Appointee Eyes Task Force to Investigate Drug Prices</a></div><div class="col col-sm-3" style="margin-right:0;"><a href="https://www.insurancejournal.com/news/international/2018/02/16/480905.htm"><img width="134" height="134" src="https://www.insurancejournal.com/app/uploads/2016/09/london-1-150x150.jpg" class="attachment-134x134 size-134x134 wp-post-image" alt="" srcset="https://www.insurancejournal.com/app/uploads/2016/09/london-1-150x150.jpg 150w, https://www.insurancejournal.com/app/uploads/2016/09/london-1-32x32.jpg 32w, https://www.insurancejournal.com/app/uploads/2016/09/london-1-50x50.jpg 50w, https://www.insurancejournal.com/app/uploads/2016/09/london-1-64x64.jpg 64w, https://www.insurancejournal.com/app/uploads/2016/09/london-1-96x96.jpg 96w, https://www.insurancejournal.com/app/uploads/2016/09/london-1-128x128.jpg 128w" sizes="(max-width: 134px) 100vw, 134px" />UK Supports Post-Brexit Mutual Recognition System for London&#8217;s Financial Services</a></div></div><a href="/news/featured/" class="more-results">More News Features</a>            </footer>
        </div>

        <aside class="article-sidebar article-equal-heights sidebar">
            <div class="sidebar-static clearfix">
    <div class="block">
        <div class="bzn bzn-right-300x250-1 bzn-sidebar">
        <ins data-revive-zoneid="62" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div>    </div>
</div>

<div class="sidebar-sticky clearfix">
    <div class="block">
        <div class="article-toc">
            <h3 class="section-top">Read This Next</h3>
            <ul class="article-list current-read">
                            <li class="current-read-item" data-article-id="465831">
                    <span class="bar"></span>
                    <a href="https://www.insurancejournal.com/news/southcentral/2017/09/28/465831.htm">Texas Homeowners Say They Weren&#8217;t Warned about Flooding Risks</a>
                </li>
                            <li class="current-read-item" data-article-id="480953">
                    <span class="bar"></span>
                    <a href="https://www.insurancejournal.com/news/east/2018/02/16/480953.htm">Virginia Woman Gets Four Years for Fraud, Fake Death Notice</a>
                </li>
                            <li class="current-read-item" data-article-id="480807">
                    <span class="bar"></span>
                    <a href="https://www.insurancejournal.com/news/southeast/2018/02/16/480807.htm">Drone Suspected in Helicopter Crash Landing in South Carolina</a>
                </li>
                            <li class="current-read-item" data-article-id="480935">
                    <span class="bar"></span>
                    <a href="https://www.insurancejournal.com/news/international/2018/02/16/480935.htm">Zurich, Insurtech Startup CoverWallet Offer End-to-End Insurance for SMEs</a>
                </li>
                            <li class="current-read-item" data-article-id="479603">
                    <span class="bar"></span>
                    <a href="https://www.insurancejournal.com/news/west/2018/02/05/479603.htm">Oregon Cyclist Injured After Naked Bike Ride Sues for $566K</a>
                </li>
                        </ul>
        </div>
    </div>

    <div class="block" data-refresh-ad data-zone="75">
        <div class="bzn bzn-right-2nd-300x250-1 bzn-sidebar">
        <ins data-revive-zoneid="75" data-revive-block="1" data-revive-id="36eb7c2bd3daa932a43cc2a8ffbed3a9"></ins>
        <script async src="https://ra.wellsmedia.com/www/delivery/asyncjs.php"></script>
    </div>    </div>
</div>

<div class="sidebar-spacer"></div>        </aside>
    </div>

</article>
<!-- End Entry -->

</div>
                </main>

                            </div>

            <div class="row footer-rss infinite-scroll-hide">
    <!-- Jobs Syndication -->
    <div class="col col-sm-3">
    <div class="syndicate" id="syndicate-jobs"><h3 class="section-top" style="margin-top:0;">Insurance Jobs</h3><ul class="article-list"><li><a href="https://www.insurancejournal.com/jobs/480983-national-employee-benefits-practice-leader">National Employee Benefits Practice Leader - <span class="meta" style="font-size: 100%;">Work from home &amp; office (El Dorado Hills, CA)</span></a></li><li><a href="https://www.insurancejournal.com/jobs/480982-chief-revenue-officer">Chief Revenue Officer - <span class="meta" style="font-size: 100%;">Work from home &amp; office (El Dorado Hills, CA)</span></a></li><li><a href="https://www.insurancejournal.com/jobs/480891-outside-sales-representative">Outside Sales Representative - <span class="meta" style="font-size: 100%;">New Mexico</span></a></li><li><a href="https://www.insurancejournal.com/jobs/480755-premium-audit-reviewer-3">Premium Audit Reviewer - <span class="meta" style="font-size: 100%;">San Diego- UTC</span></a></li><li><a href="https://www.insurancejournal.com/jobs/480046-sales-service-producer">Sales &amp;#038; Service Producer - <span class="meta" style="font-size: 100%;">Overland Park, KS</span></a></li></ul></div>    </div>

    <!-- Recent MNM Posts -->
    <div class="col col-sm-3">
                <div class="syndicate" id="syndicate-mynewmarkets">
            <div class="align-center"><img src="/img/blocks/mynewmarkets-logo-220x38.png" alt="MyNewMarkets" /></div>
            <ul class="article-list">
                            <li><a href="https://www.mynewmarkets.com/articles/183178/top-10-employment-discrimination-charges-2017">Top 10 Employment Discrimination Charges in 2017</a></li>
                            <li><a href="https://www.mynewmarkets.com/articles/183175/consolidation-continues-squeezing-wholesale-brokers">Consolidation Continues: The Squeezing of Wholesale Brokers</a></li>
                            <li><a href="https://www.mynewmarkets.com/articles/183169/former-u-s-security-expert-5-ways-insurance-industry-can-improve-cybersecurity">Former U.S. Security Expert: 5 Ways the Insurance Industry Can Improve Cybersecurity</a></li>
                            <li><a href="https://www.mynewmarkets.com/articles/183166/experts-parametric-insurance-role-expand-including-u-s-disasters">Experts: Parametric Insurance Role to Expand, Including for U.S. Disasters</a></li>
                            <li><a href="https://www.mynewmarkets.com/articles/183163/fema-expands-flood-reinsurance-program-private-reinsurers-2018">FEMA Expands Flood Reinsurance Program with Private Reinsurers for 2018</a></li>
                        </ul>
        </div>
            </div>

    <!-- Recent Claims Journal Posts. -->
    <div class="col col-sm-3">
                <div class="syndicate" id="syndicate-claimsjournal">
            <div class="align-center"><img src="/img/blocks/claimsjournal-logo-220x38.png" alt="Claims Journal" /></div>
            <ul class="article-list">
                            <li><a href="https://www.claimsjournal.com/news/international/2018/02/16/283151.htm">Allianz Raises Dividend, Shrugs Off Hurricane Claims</a></li>
                            <li><a href="https://www.claimsjournal.com/news/national/2018/02/16/283142.htm">After 2-Year Spike, 2017 Traffic Deaths Fell Slightly</a></li>
                            <li><a href="https://www.claimsjournal.com/news/west/2018/02/16/283113.htm">Leaping Elk Crashes Low-Flying Research Helicopter in Utah</a></li>
                            <li><a href="https://www.claimsjournal.com/news/national/2018/02/16/283121.htm">Businesses Rethink Workplace Romance Policies</a></li>
                            <li><a href="https://www.claimsjournal.com/news/national/2018/02/16/283056.htm">Fraud News: Father and Son Building Scam, $1M Workers' Comp Payroll Scheme</a></li>
                        </ul>
        </div>
            </div>

    <!-- Recent IJA Posts -->
    <div class="col col-sm-3">
        <div class="syndicate" id="syndicate-academy"><div class="align-center"><img src="/img/blocks/ijacademy-logo-220x38.png" alt="Academy of Insurance education" /></div><ul class="article-list"><li><span style="font-weight:bold;color:#777;">Jan 11</span> <a href="https://www.ijacademy.com/common-additional-insured-traps?utm_source=insurancejournal&utm_medium=website&utm_campaign=common-additional-insured-traps&utm_content=partner-links 
">Common Additional Insured Traps</a></li><li><span style="font-weight:bold;color:#777;">Jan 18</span> <a href="https://www.ijacademy.com/equipment-floaters-beyond-boilerplate?utm_source=insurancejournal&utm_medium=website&utm_campaign=equipment-floaters-beyond-boilerplate&utm_content=partner-links
">Equipment Floaters: Beyond Boilerplate</a></li><li><span style="font-weight:bold;color:#777;">Feb 1</span> <a href="https://www.ijacademy.com/servant-leadership?utm_source=insurancejournal&utm_medium=website&utm_campaign=servant-leadership&utm_content=partner-links
">Servant Leadership</a></li><li><span style="font-weight:bold;color:#777;">Feb 8</span> <a href="https://www.ijacademy.com/building-your-personal-brand?utm_source=insurancejournal&utm_medium=website&utm_campaign=building-your-personal-brand&utm_content=partner-links">Building Your Personal Brand</a></li></ul></div>    </div>
</div>
        </div>

        <!-- Begin Footer -->
<footer class="footer">

    <div class="container">
        <div class="footer-widgets row infinite-scroll-hide">
    <div class="col col-sm-3">
        <div class="block">
            <h4>Insurance News</h4>
            <ul class="ruled">
                <li><a href="/news/">News by Region</a></li>
                <li><a href="/topics/" title="Insurance News by Topic">News by Topic</a></li>
                <li><a href="/date/">Yesterday</a></li>
            </ul>
        </div>

        <div class="block">
            <h4>Site Search</h4>
            <form action="/search/" method="get">
                <input type="text" name="q" value="" /> <input type="submit" value="Go" />
            </form>
        </div>
    </div>

    <div class="col col-sm-3">
        <div class="block">
            <h4>Features</h4>
            <ul class="ruled">
                <li><a href="/directories/">Insurance Markets Directory</a></li>
                <li><a href="/forums/">Forums</a></li>
                <li><a href="/ambest/">A.M. Best Company Ratings</a></li>
                <li><a href="/events/" title="Insurance Events Calendar">Industry Events</a></li>
                <li><a href="/agencies-for-sale/">Agencies Wanted / For Sale</a></li>
                <li><a href="/buyers/">Buyers Guide</a></li>
                <li><a href="/services/newswire/">Newswire</a></li>
                <li><a href="/adshowcase/">Ad Showcase</a></li>
                <li><a href="/jobs/">Insurance Jobs</a></li>
            </ul>
        </div>
    </div>

    <div class="col col-sm-3">
        <div class="block">
            <h4>Connect with us</h4>
            <ul class="ruled">
                <li><a href="/subscribe/">Email Newsletters</a></li>
                <li><a href="/subscribe/magazine/">Magazine Subscriptions</a></li>
                <li><a href="/newsfeed/">For Your Website</a></li>
                <li><a href="/newsfeed/" class="social-rss">RSS Feeds</a></li>
                <li><a href="https://www.twitter.com/ijournal" class="social-twitter"><i class="fa fa-twiiter"></i>Twitter</a></li>
                <li><a href="https://www.facebook.com/insurancejournal" class="social-facebook">Facebook</a></li>
                <li><a href="https://www.linkedin.com/groups?home=&amp;gid=2044159" class="social-linkedin">LinkedIn</a></li>
            </ul>
        </div>
    </div>

    <div class="col col-sm-3">
        <div class="block">
            <h4>Insurance Journal</h4>
            <ul class="ruled">
                <li><a href="/submitnews/">Submit News</a></li>
                <li><a href="/advertise/">Advertise</a></li>
                <li><a href="/subscribe/">Subscribe</a></li>
                <li><a href="/reprints/">Reprints</a></li>
                <li><a href="/linkto/">Link to Us</a></li>
                <li><a href="/contact/">Contact Us</a></li>
            </ul>
        </div>

        <div class="block">
            <h4>Wells Media Group Network</h4>
            <ul class="ruled">
                <li><a href="/">Insurance Journal</a></li>
                <li><a href="https://www.mynewmarkets.com/" title="Insurance Market Search Engine">MyNewMarkets.com</a></li>
                <li><a href="https://www.claimsjournal.com/">Claims Journal</a></li>
                <li><a href="https://www.insurancejournal.tv/">Insurance Journal TV</a></li>
                <li><a href="https://www.ijacademy.com/">Academy of Insurance</a></li>
                <li><a href="https://www.carriermanagement.com/">Carrier Management</a></li>
            </ul>
        </div>
    </div>
</div>
<div class="footer-copyright row">
    &copy; 2018 by Wells Media Group, Inc. <a href="/privacy/">Privacy Policy</a> | <a href="/terms/">Terms &amp; Conditions</a> | <a href="/sitemap/">Site Map</a>
</div>
    </div>

</footer>
<!-- End Footer -->

<script src='https://www.insurancejournal.com/app/plugins/comment-rating-pro/ck-karma.102.js?ver=4.9.2'></script>
<script src='https://code.jquery.com/jquery-1.12.4.min.js'></script>
<script type='text/javascript'>
window.jQuery||document.write('<script src="https://www.insurancejournal.com/app/themes/insurancejournal/dist/scripts/jquery.js"><\/script>')
</script>
<script src='https://www.insurancejournal.com/app/themes/insurancejournal/dist/scripts/main-79e8c2620e.js?ver=4.9.2'></script>
<script src='https://www.insurancejournal.com/wp/wp-includes/js/comment-reply.min.js?ver=4.9.2'></script>
<script src='https://s7.addthis.com/js/300/addthis_widget.js?ver=4.9.2#pubid=wellspub'></script>
<script src='https://www.insurancejournal.com/wp/wp-includes/js/wp-embed.min.js?ver=4.9.2'></script>
<script async="async" src='https://www.insurancejournal.com/app/plugins/akismet/_inc/form.js?ver=4.0.2'></script>

<div id="page-bottom"></div>


<!--19 queries. 0.238 seconds.-->
    <script type="text/javascript">window.NREUM||(NREUM={});NREUM.info={"beacon":"bam.nr-data.net","licenseKey":"1194c1f0c5","applicationID":"157988","transactionName":"b1BQMBNQVhBUWkcNXFYaZxYIHlENUVxLSkNQRQ==","queueTime":0,"applicationTime":243,"atts":"QxdTRltKRR4=","errorBeacon":"bam.nr-data.net","agent":""}</script></body>
</html>

<!--
Performance optimized by W3 Total Cache. Learn more: https://www.w3-edge.com/products/

Page Caching using disk: enhanced 
Database Caching 3/22 queries in 0.020 seconds using memcached

Served from: www.insurancejournal.com @ 2018-02-16 20:14:17 by W3 Total Cache
-->