What can you do to protect against damage?Keeping up with routine home maintenance is key. Ensuring your windows and doors are well sealed and your roof is in good condition are important steps to take toward protecting your property from being damaged in a windstorm. If your home is older, consider structural upgrades to your roof or foundation to protect it from wind damage. All homes should keep their roofs clean and free of debris. It is also important to keep all trees and shrubs trimmed so that nothing is touching the roof. In the event of a natural disaster, however, there is only so much you can do. Having the right windstorm insurance might make all the difference. A tropical cyclone causes damage by driving a wall of water onto the shore. So, if you live in a coastal area like one of the fourteen “Tier One” counties (including Brazoria, Galveston, and some parts of Harris county), protecting yourself with windstorm insurance is a necessity, not an option.
What types of coverage are available?Dwelling – Offers windstorm (and hail) protection up to your policy limit for damage or destruction to your home. Includes detached structures like a garage or workshop up to 10% of the Dwelling coverage. Businesses and mobile homes can also be insured. Contents – Provides insurance coverage for your belongings, such as appliances, furniture, clothing, and other items in your home. If you turned your home upside down, anything that would fall to the floor are considered Contents.
What is the right deductible?Like most other forms of insurance, in the event of a claim, windstorm coverage is subject to a deductible. The deductible amount is commonly a percentage of the dwelling coverage. The higher your deductible, the lower the policy premium will be. The lower your deductible, the higher your policy premium. Get the coverage you need After the severe hurricane seasons of recent years, costs were so great that many companies have stopped writing policies for Texas windstorm insurance entirely. You need to work with someone who understands the business and can answer the questions most crucial to you:
- How much windstorm insurance do I need to ensure I’m covered for the replacement cost of my home or business?
- How do I get the right inspection certificates to qualify for insurance?
- How do I stay in compliance with regulations after re-roofing my home or performing repairs or other structural alterations?
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