Windstorm
Insurance
If your home or property is located in one of 14 coastal counties or parts of southeastern Harris County (Tier 1 counties) around Texas gulf coast, your current policy more than likely excludes any coverage for windstorm and hail damage. If this is the case, you need to purchase a Texas windstorm coverage separately from a special, state designated insurance pool called the Texas Windstorm Insurance Association (TWIA). TWIA insurance however, is not necessarily available for everyone in these areas. In order to qualify for TWIA coverage, your property must pass a windstorm inspection, meeting certain minimum windstorm-resistant building codes and standards.
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It is important to note, you cannot buy or change TWIA coverage once a hurricane or a tropical storm system has entered the Gulf of Mexico. Just use the form above to request a quote and one of our agents will get in touch with you shortly.
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You can find more detailed information about Texas windstorm coverage as well as infromation about windstorm inspections at TWIA website.
Buy Your Windstorm Insurance Today, For Tomorrow May Be Too Late!
Texas homeowners and commercial property insurance policies do not pay for flood damages caused by rising waters. Therefore, Texas residents need to purchase a separate flood insurance policy from the National Flood Insurance Program (NFIP) to protect themselves and their properties against flood events in the state.
Flood
Insurance
How Does NFID Flood Insurance Work In Texas?
What is NFIP
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The NFIP was created by the federal government with the passage of the National Flood Insurance Act of 1968, with the goal of helping mitigate future losses caused by flooding through community enforced building standards. NFIP is run under and by the Federal Emergency Management Agency (FEMA).
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All NFIP (Texas) flood insurance policies enforce a 30-day waiting period immediately after the purchase date, before policy coverage goes into effect.
After this insurance was initially defined by the National Flood Insurance Act of 1968 in congress, subsequent passages of the Flood Disaster Protection Act of 1973, the National Flood Insurance Reform Act of 1994, and the Flood Insurance Reform Act of 2004 further strengthened the NFIP policies.
The NFIP in its current form is designed so that floodplain management and flood insurance complement and reinforce each other. The precise way this deal works is as follows:
Based on the the provisions established by the law, FEMA is charged to make flood insurance available to residents and citizens of a community, only if the community as a whole implements floodplain management regulations that meet or exceed the Federal minimum requirements.
For these purposes, a "flood" is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area, or of two or more properties (at least one of which is the policyholder's property) and caused by any or all of the following:
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Unusual and rapid accumulation or runoff of surface waters from any source (ie flash flooding
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Overflow of inland or tidal waters (ie hurricane and storm surge)
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A mudflow
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Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.
To learn more about NFIP and flood insurance, you can visit NFIP online.
Texas Hurricane & Flood Insurance Coverage Options
You as a Texas resident must ascertain your homeowners or commercial property coverage is current, and that it provides adequate coverage to pay the full replacement cost of your property. You must make sure you understand what the policy does and does not cover and to what limits.
Depending on your policy, provider, and where you are located, you may very well have to buy separate policies to be covered for damages caused by wind, windstorms, hail, rising tide, or flood damage.
Once you fill out our obligation-free quote form, one of our agents will get in touch with you to verify your information and help you find out if you actually need any of these specific insurance coverages based on where you live and your current insurance policy fine print.
It is no secret that state of Texas and its residents are exposed to threats of tropical hurricanes as well as northern plains and other occasional tornadoes that can cause severe damages due to strong winds, hail and rising waters. In fact, after some of the most recent hurricanes to hit the Texas gulf coast, damages and claims were so high and costly for insurance companies that they all virtually pulled out of offering any such insurance policies to many coastal areas and counties in the state, leaving TWIA (Texas Windstorm Insurance Association) as the only and the last resort insurer in these areas.
Although residents of coastal areas are most at risk, tropical storm systems and hurricanes can travel hundreds of miles inland, creating the potential for wind damage and flash flooding throughout the state.
Find Out How We Can Help You Get The Best Available Storm Coverage
Ensure About What Additional Policies You May Need
SOLID HURRICANE & FLOOD INSURANCE COVERAGE FOR TEXAS
Texas Windstorm, Hail, and Flood Insurance
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Law &
Ordinance
In state of Texas, If your property does not meet current municipal building codes and is heavily damaged in a storm, hurricane or tornado, most municipalities and local governments will require you to bring your home in compliance at the time of repairs. Only some Texas homeowners insurance policies cover these additional compliance and repair costs.
Buy Your Windstorm Insurance Today, For Tomorrow May Be Too Late!
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If your policy does not include this "Law and Ordinance" coverage, or if you believe you may need more coverage than your current homeowners policy provides, you may be able to add it or increase your limit. Select Love Insurance agents can help you find out the best possible choice to save you money and get you the best available coverage. You can use the quote form above to have one of our agents get in touch with you shortly.
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If you want to find out more about your structure’s compliance with current local building codes, you should contact your local or municipal planning department.