If a severe windstorm hits and you live in a coastal county in Texas, such as Brazoria or Galveston county, would your home or business be protected? Unless you have specifically added Windstorm Insurance, the answer is probably not. Most homeowners and business owners’ insurance policies for coastal counties do not cover windstorms like hurricanes, hail, wind or tornadoes.
Which Windstorm Insurance policy is right for you?
We now offer many new windstorm options so please contact us to discuss which company, policy and coverages are right for you.
Contact us today to find an insurance plan to fit your needs and budget.
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 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
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?
Don’t take chances with your home. Contact Worthen Insurance Group to protect your home with Windstorm Insurance today.