Home Owner's Insurance - Graphic Windstorm Insurance GraphicWindstorm Insurance 
Texas has the third greatest risk of Hurricane damage of the U.S. Gulf States.
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Need Insurance help now? - Call 512-444-3366Why risk it? - Let us guide you to the best fit for your Home Insurance protection.  Buy the insurance coverage you want at a competitive price from an Austin based insurance agency. Professional service makes a difference!
 
To obtain a customized Home & Windstorm Insurance quote:
 
Home Insurance - Request a Quote    Quick Contact link - Quote Austin Insurance    
 
 

Windstorm Insurance - What it Does! In Texas coastal counties, Home Insurance excludes the peril of windstorm, hurricane and hail. Windstorm Insurance protects your house & possessions from these perils.  

Windstorm Damage PicturePROPERTY COVERAGES
 
House - Provides protection up to your limit for damage or destruction of your house from the peril of windstorm and hail.
 
Secondary Structures - As part of the total dwelling coverage, detached structures can be included in a claim up to 10% of the total dwelling coverage.
 
Contents - Provides protection for your clothes, appliances, furniture and other possessions at your residence from the peril of windstorm and hail. 
 
 
 
Special Windstorm Issues & Terminology:
 
Storm Surge - A tropical cyclone including Hurricanes and Major Hurricanes can cause a great deal of Storm Surge damagedamage from pushing a wall of water on shore.  If you live on the coast, particularly close to shore, Flood Insurance may be needed to protect your house from this additional peril.
 
Windstorm Insurance Inspection Certificate (WPI-8) - This is a certificate that shows your building has been built or modified to be in compliance to the Windstorm Insurance requirements. Structures that don't have this certificate are subject to a 15% rating surcharge. For more information on obtaining a WPI-8 Certificate, contact the Texas Department of Insurance - http://www.tdi.state.tx.us/wind/index.html
 
Tier One Counties - The Texas Counties immediately on the Gulf Coast are referred to as "Tier One Counties." This includes Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy Counties. Also included in the "Tier One County" designation is a small area of Harris Counties east of State Highway 146  (La Porte, Morgan's Point, Pasadena, Seabrook, Shoreacres). This is the area in which the peril of Windstorm is typically not covered by your Home Insurance and coverage from this peril must be obtained from the Texas Windstorm Insurance Association.
 
Windstorm Deductible - Be sure to ask what your deductible is. In the event of a Windstorm loss, your compensation for property damaged would begin after the loss exceed your deductible.
 
 TWIA logo  Texas Windstorm Insurance Association - Homepage link   http://www.twia.org/
 
Why risk it? - Let us guide you to the best fit for your Home & Windstorm Insurance protection.  Buy the insurance coverage you want at a competitive price from an Austin based insurance agency. Professional service makes a difference!
 
To obtain a customized Home & Windstorm Insurance quote:
 
Home Insurance - Request a Quote    Quick Contact link - Quote Austin Insurance    
Windstorm Rate Increase Announced - Texas Insurance Commissioner Mike Geeslin approved rate increases of 12.3 percent for residential and 15.6 percent for commercial policies, effective February 1, 2009.
 
New Minimum Retained Premium Rule - Effective 11/1/2009, all Texas Windstorm Insurance Association will have a minimum retained premium of half of the annual policy term premium or at least $100. There are some exceptions including sale of the property and total loss. This new rule will penalize anyone that buys windstorm insurance only during storm season.
 
Recent Texas Hurricanes
 
Hurricane Dolly 7/23/2008 - Landfall was on South Padre Island about 1pm. This storm had sustained 100 mph winds (Category 2) with gusts to 120 mph. The hurricane caused flooding across the Rio Grande Valley, Northern Mexico and New Mexico with some areas getting 16 inches of rain. Estimated damage was $1.2 billion.
 
Hurricane Ike 9/13/2008 - Landfall was 2 am Saturday September 13, 2008 near Galveston. This storm had 110 mph winds (nearly Category 3), a storm surge as high as fifteen feet and an impact area of the entire upper Texas Coast, Western Louisiana and East Texas. Major damage extended over a hundred miles inland and is estimated at about $12 billion.
 
Other Recent Hurricanes
 
Hurricane Ida - Surpise Late-Season Storm 11/8/2009 - A very unexpected late-season hurricane entered the Gulf of Mexico November 8, 2009. Landfall is projected to be the Central Gulf Coast and not Texas. Ida is very unusual and potentially dangerous storm.