Insurance Blog

Texas Windstorm Insurance

TWIA vs. Private Windstorm Insurance in Texas: Which Is Better for Your Coastal Home?

If you own a home on the Texas coast, you need wind and hail coverage, and you have two main places to get it: the Texas Windstorm Insurance Association (TWIA) or a private insurance company. Many homeowners assume TWIA is their only choice. Often it is not, and the private option can be simpler…

Do I Need a WPI-8 to Get Windstorm Insurance in Texas?

If you own or are buying a home on the Texas coast, you have probably heard about the WPI-8. The question we hear most often is simple: do I actually need one to get windstorm insurance? The answer depends on who is insuring your home and when it was built or last worked on. — The short answer —…

Texas Hurricane Season Checklist for Coastal Homeowners

Atlantic hurricane season runs from June 1 through November 30, and every year Texas coastal homeowners face the same question: are we ready? The best time to prepare is before a storm is in the Gulf. Once a hurricane threatens the coast, insurers, including the Texas Windstorm Insurance…

What to Do After Hurricane Damage to Your Texas Home

After a hurricane, it is hard to know where to start. Taking the right steps in the first days after a storm can make your insurance claims go more smoothly and help you avoid costly mistakes. Here is what Texas coastal homeowners should do after hurricane damage. — 1. Put safety first — Do not…

Hurricane and Windstorm Deductibles in Texas, Explained

Many Texas coastal homeowners are surprised by their deductible after a storm. Wind and hail deductibles along the coast often work differently than the flat deductible you may be used to. Understanding how yours works before a hurricane can save you from an unpleasant surprise. — Flat vs.…

Wind vs. Flood: What Your Texas Coastal Insurance Actually Covers

When a hurricane hits the Texas coast, it usually brings both high winds and flooding. But wind damage and flood damage are covered by different insurance policies. Knowing the difference before a storm helps you make sure you are fully protected. — What windstorm insurance covers — Windstorm…