As Texans, we know that hurricane season runs from June through November, but the peak months—August and September—bring the highest risk of powerful storms. Now is the perfect time for a mid-season insurance checkup to ensure your coverage is current, complete, and ready to protect what matters most.
Here’s what every Texas homeowner should review before the next storm hits:
1. Know What Your Policy Doesn’t Cover
A standard homeowners insurance policy does not cover flood damage. That means any water that enters your home from rising water, storm surge, or flash flooding will require a separate flood insurance policy.
Don’t wait—there’s typically a 30-day waiting period for new flood insurance policies to take effect unless required for a loan closing.
2. Understand Your Windstorm Deductible
Unlike your general deductible, wind and hail deductibles are often a percentage of your home’s insured value (not a flat dollar amount). These apply specifically to storm-related damage.
For example:
If your home is insured for $300,000 and your windstorm deductible is 2%, you’d be responsible for the first $6,000 in storm-related repairs.
Make sure you understand:
· What your deductible is
· Whether it applies per storm or per calendar year
· If it applies to named storms or all wind/hail events
3. Review Your Coverage Limits
Have you updated your policy in the last year? With rising construction costs and inflation, your current coverage may no longer reflect the true cost to rebuild your home.
Now’s the time to ask:
· Do I have replacement cost coverage or actual cash value?
· Are detached structures, fences, or sheds included?
· Do I have enough personal property protection?
4. Build a Simple Hurricane Prep Kit
Insurance is essential, but so is preparation. Create a quick kit that includes:
· Flashlights, batteries, and chargers
· Non-perishable food and bottled water
· First-aid kit and prescription medications
· Copies of insurance documents (digitally and in print)
· Contact info for your insurance agent and carrier claims department
5. Talk to Your Insurance Agent
Our team at Associated Insurance Managers is here to help you navigate your policy, identify gaps in coverage, and provide recommendations based on your property’s location and risk profile.
Whether you're in a coastal zone, near a floodplain, or just want peace of mind, we can guide you toward smart choices that fit your needs—and your budget.
Don't Wait Until the Storm Hits
Texas weather is unpredictable—but your insurance coverage shouldn't be. Take 15 minutes now to review your policy, ask questions, and get the protection you need before peak season ramps up.
📞Call us today to schedule a mid-year policy review. (713) 365-8400