Some storms, especially those in coastal areas, often come with high winds that may not be covered by a standard homeowners policy. Windstorm insurance is a special type of property insurance that specifically covers your home and personal property from damage caused by hurricanes, tornadoes, cyclones, and hailstorms. It can also cover damage caused by wind driven rain. It should be noted that having windstorm insurance is not a substitute for having a homeowners policy, but rather is a complement to your homeowners policy.
If your home is located in a coastal area or an area that is more prone to windstorms, your standard homeowners policy may not include coverage for windstorms. This coverage can sometimes be added through an endorsement. However, some people may find that if their home is located in an especially high risk area, they may need to purchase a separate policy for windstorm related damage. If you have a mortgage on your home, it is likely that your lender will require you to have some amount of coverage for wind and hail damage. It should be noted that storm surges and flooding, disasters that are often associated with windstorms, are not covered by your windstorm policy. Instead, you would need to look to your flood insurance policy.
Thank you for your interest in Best Insurance. We provide windstorm, flood, and homeowners insurance throughout Texas City, La Marque, Dickinson, Galveston, Sante Fe, Hitchcock and across Texas. Please feel free to call our Texas City Office at 409-986-9611 or our Galveston Office at 409-744-4414 or email us with any questions you may have.