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Office of Public Insurance Counsel @TXOPIC
Joined October 2013
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2,344 Photos and videos
#DDay “Soldiers, Sailors, and Airmen of the Allied Expeditionary Force! You are about to embark upon the Great Crusade, toward which we have striven these many months. The eyes of the world are upon you.” Read Eisenhower’s full address archives.gov/milestone-docum…
A row of crosses at a World War 2 cemetery.

ALT A row of crosses at a World War 2 cemetery.
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Coverage, deductible, declarations, replacement cost value. actual cash value, claims...insurance is a whole world of specialized terms. Don’t worry, at OPIC we break it down for you! Check out our web resource opic.texas.gov/learn-insuran…
A series of insurance-related terms shaped as an automobile and the message to head over to www.opic.texas.gov for greater understanding of basic insurance terms and their meanings.

ALT A series of insurance-related terms shaped as an automobile and the message to head over to www.opic.texas.gov for greater understanding of basic insurance terms and their meanings.
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If you’re shopping for insurance, we can help! Check our shopping resources for consumers: opic.texas.gov/shop-smart/
The fasten seatbelt sign above an airline seat row with the encouragement to head over to www.opic.texas.gov for insurance shopping resources.

ALT The fasten seatbelt sign above an airline seat row with the encouragement to head over to www.opic.texas.gov for insurance shopping resources.
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Confused about the insurance claims process? We can help. Learn about your responsibilities and what you can expect. Property claims: opic.texas.gov/residential-p… Auto claims: opic.texas.gov/auto-insuranc…
A wooden Pinocchio puppet and the encouragement to understand the insurance claim process before you need it by visiting the OPIC website.

ALT A wooden Pinocchio puppet and the encouragement to understand the insurance claim process before you need it by visiting the OPIC website.
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Neither residential property insurance nor renters insurance is flood insurance. To cover your dwelling or contents against flooding, you typically need a separate flood policy. Learn the basics of flood insurance at opic.texas.gov/flood-insuran…
A neon sign in Las Vegas style with the words Viva Flood Insurance on it and the encouragement to consider flood insurance.

ALT A neon sign in Las Vegas style with the words Viva Flood Insurance on it and the encouragement to consider flood insurance.
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Hurricane season is here. Be ready! 🌀 Create your go kit 🌀 Plan your evac routes 🌀 Backup key documents 🌀 Review your insurance Learn more about Texas hurricane resources at ow.ly/vC7l50Z2s04 and ow.ly/Gtqe50Z2s05
A view from space of a hurricane over the Texas coast and the message to keep it hurricane ready.

ALT A view from space of a hurricane over the Texas coast and the message to keep it hurricane ready.
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One day until hurricane season begins: Are you covered for flooding? Windstorm? Dwelling contents if you are a renter? Hurricane season starts tomorrow! Be ready: ready.gov/hurricanes.
Wooden blocks with the words are you ready on them and the message to review your insurance coverage because hurricane season is one day away.

ALT Wooden blocks with the words are you ready on them and the message to review your insurance coverage because hurricane season is one day away.
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Do you have a plan for your pet during an emergency? It is important to know where you would go if you had to evacuate and if pets could join you there. Plan ahead: ready.gov/plan. Only 2 days until hurricane season starts.
A cat asking, "you're taking me, right?" and the message to include your pets in your evacuation plan.

ALT A cat asking, "you're taking me, right?" and the message to include your pets in your evacuation plan.
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Don’t let a lack of flood or windstorm protection bite you. There are only three days until the start of hurricane season, and many policies have a waiting period before going into effect. Be ready: gov.texas.gov/hurricane.
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Don’t ignore purchasing renters insurance. Your landlord is not responsible for your personal belongings, and renters insurance is typically quite inexpensive.
The message that your landlord doesn't insure your belongings, but you can with renters insurance.

ALT The message that your landlord doesn't insure your belongings, but you can with renters insurance.
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If you needed an ambulance ride to the hospital, would your health insurance cover the cost? Check with your insurer. State law bans surprise bills from ambulance services if you have a state-regulated health insurance plan, but most plans are not state regulated. Learn more: ow.ly/KNiw50Z2p0T
Ambulances parked at a hospital and the message to check your coverage before you need ambulance services.

ALT Ambulances parked at a hospital and the message to check your coverage before you need ambulance services.
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What Does It Mean When There Is a… 💧Flood Watch – Conditions are right for weather to produce flooding 💧Flood Warning – Flooding is imminent or occurring now 💧Flash Flood – Rapid flooding of low-lying areas, rivers, creeks, and basins weather.gov/safety/flood-wat…
Flood watch versus flood warning: flood watch means conditions are right for flooding whereas flood warning means flooding is imminent.

ALT Flood watch versus flood warning: flood watch means conditions are right for flooding whereas flood warning means flooding is imminent.
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Four Myths About Flood Insurance: 1. Buying flood insurance isn’t necessary. 2. Flood policies don’t have a waiting period before going into effect. 3. Flood damage is always covered by home insurance. 4. Disaster assistance will cover any losses. Learn more about flood insurance at ow.ly/ZzTP50Z2omO
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Thank you for your service.
A pair of combat boots with an American flag tucked into the laces and the message thank you for your service.

ALT A pair of combat boots with an American flag tucked into the laces and the message thank you for your service.
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Reasons to Consider Flood Insurance: 💧Most home or renters’ policies don’t cover flood damage 💧Weather patterns or nearby new construction can increase your risk 💧Flooding in your home or car can cause very expensive damage Learn more about flood insurance at ow.ly/8HHQ50Z2o4E
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Flood Facts: 💧You don’t need to live near water to experience flooding 💧Floods are the most common natural disaster in the U.S. 💧30% of NFIP flood insurance claims come from properties outside a high-risk area Learn more about flood insurance at ow.ly/2C2v50Z2n5Z
A flooded residential area with the message that flooding is the most common natural disaster in the United States so be prepared.

ALT A flooded residential area with the message that flooding is the most common natural disaster in the United States so be prepared.
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If you are a new homeowner, congratulations! Here are several important types of insurance to know about: 1. Home: ow.ly/YwGy50Z2kvK 2. Flood: ow.ly/TcIX50Z2kvL 3. Windstorm (on the coast): ow.ly/lBJa50Z2kvM
Dorothy from the Wizard of Oz holding a basket with Toto in it and the message that new homeowners should learn their insurance options.

ALT Dorothy from the Wizard of Oz holding a basket with Toto in it and the message that new homeowners should learn their insurance options.
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Flooding is unpredictable and dangerous. 💧Heavy rain can cause flash flooding anywhere 💧6 inches of moving water can knock a person down 💧12-24 inches of moving water can sweep away a vehicle Learn about flood insurance at opic.texas.gov/flood-insuran…
Flood water over a road and the message to turn around don't drown.

ALT Flood water over a road and the message to turn around don't drown.
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What does a “100-year flood” mean? According to FEMA, it means there is a… 💧26% chance of a flood in the next 30 years, and 💧55% chance of a flood in your lifespan Consider flood insurance. Floods can happen anywhere at any time.
Floodwater rising into homes and the message that floods are the most common natural disaster in the United States.

ALT Floodwater rising into homes and the message that floods are the most common natural disaster in the United States.
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Four things you can do to prepare for flooding: 💧Protect your personal documents 💧Build a disaster kit 💧Create an evacuation plan 💧Buy flood insurance Learn more about flood insurance at opic.texas.gov/flood-insuran…
Heavy rain on an automobile windshield and the message that heavy rains can bring flash flooding so prepare ahead for that possibility.

ALT Heavy rain on an automobile windshield and the message that heavy rains can bring flash flooding so prepare ahead for that possibility.
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