Understanding the Importance of Windstorm Insurance in Texas
If you live in Texas, you’re likely aware that tornado insurance is a wise investment. However, some storms don’t classify as tornadoes but can still cause significant damage. A strong gale at 39–46 knots on the Beaufort scale is enough to break a branch off a tree. While this may not be as disastrous as a tornado, which, meteorologically speaking, is a vortex of violently rotating air and thus not technically a windstorm, a windstorm can still cause enough damage that you may want to find out if your insurance can cover the cost of fixing the damage.
Your Homeowners Insurance Could Cover It
Typically, homeowners insurance will automatically cover wind damage. However, if you live in a coastal region or any other area considered high-risk, you may be required to purchase a separate policy. Remember that many policies come with a "named storm" deductible. If the storm was severe enough for the National Weather Service to name it, your deductible will likely be a small percentage of the total dwelling coverage. Texas is one of the states that allows home insurance companies to add on hurricane deductibles. It’s a good idea to discuss with your agent how your policy covers your property in the event of wind damage.
ACU Insurance Services: Serving League City, TX
If you are in the League City, TX area and think windstorm insurance would be a good idea, please get in touch with ACU Insurance Services. We’re ready to help you!
