I have used Cody for a while. For a couple of years, I had a great rate. My rate began to increase…read moreso I began to look for new coverage. I reached out to Cody to see if I had the best rate. He said he would look into it. Never heard back. Since I did not I decided to look for coverage else where. I sent them my policies to review and told them I needed the same coverage I have now, including the flood policy. This is how I discovered I did not have a flood policy.
When I moved into my new home in Houston in December 2024 (right on the bayou), I made it abundantly clear to Cody and their office manager, Kendra Alnes, that I needed flood insurance. I was told confidently in writing via email that my renter's policy included flood coverage in the event of a hurricane. Based on that assurance, I didn't seek additional coverage.
Fast forward seven months, we're now deep into hurricane season, and I've just learned that this critical coverage does not exist. I had someone who wrote policies for State Farm for 15 years review and she told me no flood coverage exists. I reached out to Kendra and Cody to clarify and this was true. Worse yet, I'm now told that renters can't even get flood coverage through FEMA, something I could've researched and addressed back in December had I been given the right information. I would have worked on this with my landlord to make sure things were set for this hurricane season.
Insurance is about trust. When that trust is broken, especially with something as high-stakes as natural disaster coverage in Houston during hurricane season, it's not just frustrating, it's dangerous.
Be careful. Double-check everything. And if flood insurance is something you need, I'd recommend working with an agent who actually understands what their products do and don't cover.
