Hurricane Insurance in Texas

Hurricane and Wind Insurance in Texas

Texas is one of the most prone US state to be susceptible to hurricane and tropical storm damage, typically resulting in billions of dollars in property damage and insurance claims. A wild windstorm can pop up seemingly out of nowhere and strong storm systems can produce hurricanes. These wind events can cause considerable damage to a home and detached structures like garages or sheds. While there are many things you can do to help prevent wind damage to your home or additional structures, a residential windstorm-hurricane policy may cover costs should you home or detached structure be damaged due to high winds that often occur in Texas.

Does my home insurance policy cover me for hurricane damage?

Not always. While many insurance policies do include damage from hurricanes, it may be required to add a special endorsement to your policy to fully protect it. Additionally, depending on the type of home insurance you need (homeowners insurance, mobile home insurance, renters insurance or condo insurance) the policies and needs of each person are different.

What about my car? Is that covered?

We’ve all seen the pictures of the cars piled up after a hurricane hits, or crushed by falling trees or structures. You might be wondering if your car will be protected in the event of a hurricane. If you’ve purchased comprehensive insurance coverage, that would provide you with insurance coverage for a hurricane if your vehicle is damaged or flooded during a hurricane storm. Because comprehensive insurance is an optional coverage for owned vehicles (leased or cars with a loan it is a required coverage), you should talk to your agent about whether or not this coverage is right for you.

Do I need hurricane insurance for my business?

Businesses can be affected by hurricanes in many ways. By talking to a licensed business insurance agent in our office, we can help you identify the right insurance coverage to protect your business from hurricane damage.

Companies do offer a specific residential windstorm-hurricane policy in Texas. Typically with damage from a windstorm or hurricane, a homeowner would be responsible for a deductible (between 2 and 5 percent) and subject to any limits or exclusions as outlined in the policy. Discounts for wind resistive devices may apply so be sure to have a lengthy discussion with your agent to decide what coverage you need and what coverages you may already have. We can easily provide you with a proposal for all of your hurricane insurance quickly and over the phone.