For homeowners who do have windstorm coverage, it’s a good idea to ensure that the coverage is adequate for your needs.
“Even if your policy does provide some coverage, it is possible that you don’t have adequate coverage, as many general homeowners’ policies that do include windstorm coverage, only cover up to a certain amount,” says Hursh.
For homeowners who live in areas that are considered to be at high risk for windstorm damage, it’s especially important to find out if the policy includes adequate windstorm coverage.
Since high-risk areas are known to have windstorms, and often cause extensive damage - a windstorm coverage policy would be a wise thing to invest in. Some homeowner’s insurance policies may offer a level of coverage for certain types of windstorm damage, but generally not everything will be covered. Windstorm coverage is available in a range of different options, allowing homeowners to choose their preferred level of coverage.
“Windstorm insurance can also provide coverage for personal belongings that are destroyed or damaged during a windstorm. It can also provide windstorm coverage for your vehicle,” says Hursh.
As well as windstorm coverage, it’s important to check into flood insurance as well.
High winds often bring floods, and damage caused by flooding. It’s important to note that windstorm coverage does not include flood damage. If the area in question is prone to flooding, then a flood insurance policy should also be taken out as well.
“Windstorm coverage doesn’t cover flood damage. This may come as a surprise, considering that the most destructive floods are often caused by powerful windstorms. Flood coverage however, is a separate policy altogether, so it is important to check with your insurer to see about a specific policy that will cover flood damage,” advises Hursh.
Katy Texas Insurance provides homeowners insurance policies for Katy, Texas and the surrounding areas, with available policies for windstorm damage, and floods. For more information on home insurance, and windstorm and flood coverage visit Katy Texas Insurance (http://www.katytexasinsurance.com/