Hurricane Coverage in Texas Before Hurricane Season Starts 

As hurricane season approaches, Texans must do what they can to protect their homes and properties. Hurricane season in Texas runs from June 1 to Nov. 30, with peak activity between August and September. Preparing for potential hurricanes involves understanding the various insurance coverages available like hurricane coverage.

Types of Hurricane Insurance Coverage

In Texas, hurricane insurance typically includes a combination of coverage rather than a single policy. Homeowners need to consider three main types of coverage: standard homeowners insurance, windstorm insurance and flood insurance. Standard homeowners insurance can help cover certain hurricane damage, such as wind-driven rain entering through storm-created openings, but it excludes flooding entirely and may limit wind coverage in coastal areas.

Windstorm Insurance

For Texans living in coastal counties, windstorm insurance is essential. Inland properties usually include wind coverage within standard homeowners policies, although high-risk areas may impose higher wind deductibles.

Flood Insurance

Flood insurance can be crucial for most Texas properties, regardless of flood zone designation. Standard homeowners and windstorm policies explicitly exclude flooding, including storm surge, a primary source of hurricane damage for coastal areas.

Preparation Tips

Before hurricane season starts, homeowners should review their insurance policies to confirm that there are no coverage gaps. Coordinating policies properly is advisable to avoid potential issues during a hurricane. Homeowners should also consider specialized endorsements. Ordinance or law coverage can help cover the additional costs of rebuilding to meet current building codes. Additionally, extended replacement cost endorsements can offer extra funds when rebuilding expenses rise due to widespread hurricane damage.

Learn More

For hurricane-related insurance near you, contact AMCO Gulf LLC.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.