Tag: Wind insurance

Hurricane Season Insurance Review

Sheri and I visited family in Alabama over the Memorial Day weekend. We all watched the weather reports on sub-tropical storm Alberto as it turned north in the Gulf and headed toward the Florida panhandle and Alabama. It serves as an excellent reminder that hurricane season officially begins on Friday, June 1 and runs through the end of November. With that in mind, let’s review home insurance and remember a hurricane or named storm can impact central and north Texas residents as easily as it does our coastal neighbors. Specifically, I’ll address two key areas of your home insurance policy to review along with two other related policies.

Read More »

A Third Hurricane Related Home Insurance Claim

Last week I wrote about the two types of hurricane related claims, wind and storm surge, which is related to flooding (see https://wiseinsurancegroup.com/two-types-insurance-claims-hurricane-harvey/). A conversation I had with a client reminded me of a third type of home insurance claim, wind driven rain, which can cause significant damage to the interior of your home.

Read More »

Hurricane Season Insurance Review

Welcome to hurricane season which runs from June 1 to November 30th. It’s a great time for Texas homeowners to take a few minutes to review their home insurance keeping in mind a hurricane or named storm can impact north Texas residents as easily as it does our coastal neighbors. Let’s address two key areas of your home insurance policy to review along with two other related policies.

Read More »

Texas Wind Insurance

Most Texas homeowners never have to think about wind insurance, it’s included with their home policy. When you see the wind / hail deductible listed with an amount or percentage next to it, this indicates your home policy covers it. Those Texans who own homes along our Gulf Coast, however, do need to think about wind insurance. Many home insurance companies don’t include wind coverage so those homeowners have to look elsewhere for this coverage.

Read More »

Insurance Review for Hurricane Season

Tropical Storm Colin serves as a great reminder for Texas homeowners to take a few minutes to perform an insurance review that’s focused on hurricanes and the type of claims that occur. To help with that, let’s delineate who and what needs to be reviewed by tiers and the type of coverage.

Read More »

Commercial Insurance and Business Interruption Coverage

Hurricane Dolly struck South Padre Island on July 23, 2008 with winds near 100 miles per hour, a four foot storm surge, and 12 to 15 inches of rain. Damage to structures on the Island and in Port Isabel, across the bridge on the Texas mainland, was pretty moderate and consisted of mostly damage to roofs. Power was knocked out to most residents and businesses for one to two weeks. Anything perishable, whether in a business or home spoiled.

Read More »

Proposed Changes for Texas Wind Insurance

People who live in the counties along the Texas coast usually have a policy that’s unfamiliar to most homeowners in north Texas. In addition to home insurance, most homeowners in the coastal counties of Texas will also have a separate wind insurance policy. This policy specifically addresses damage to a home caused by high winds normally associated with a hurricane.

Read More »