Are wildfires typically covered by homeowners’ insurance?
As a reminder we are steadily approaching the height of hurricane season. Right now, we are watching Tropical Storm Barry develop and possibly become a hurricane in the Gulf of Mexico.
In most Texas counties, standard homeowners policies cover damage caused by wind, including hurricanes. However, property located near a coastal county or along the Gulf of Mexico might exclude or limit this coverage. If your home or condo insurance policy does not cover wind, storm, or hail, you will need to purchase a second policy to address the risk of hurricane. Check your policy terms now and speak with your personal Texas independent insurance agent so you can choose the coverage most important to you.
When Can I Purchase Hurricane Insurance?
It is important to note most companies will not accept new or increased coverage applications after a windstorm of flood after a named tropical storm or hurricane is designated by the United States Weather Bureau. Typically when the storm is within the boundaries of 80 degrees west longitude and 20 degrees north latitude or has entered the Gulf of Mexico insurance companies will no longer accept coverage requests. Its is important to plan ahead and prepare.
Does Hurricane Insurance Cover Flood?
Long periods of steady rainfall surrounding a tropical storm and hurricane event can cause flooding inland hundreds of miles away from the coast. Flood or rising water can occur anywhere and is not covered on most homeowners, renters, or even condo insurance policy in Texas.
One of the important measures our clients can take to be prepared is to make sure insurance coverage is in place well in advance of a storm that threatens the Texas coast. Your local personal independent insurance agent works with multiple insurance companies and can help you quote Hurricane, Wind, Flood and Home insurance. Contact us to start your quote.
Flood and hurricane resources to help organize, plan or prepare your family, home and pets:
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