Windstorm and flood insurance is separate from home insurance
Windstorm insurance is a special kind of property insurance that is not normally part of your standard home insurance. The same applies to flood insurance. If you want to know more about windstorm insurance or flood insurance in Alvin, Brazoria, Friendswood, Galveston, Houston, League City, Mansfield, Pearland or the Texas Gulf Coast, TX, then it will be a good idea to consult with one of the advisors at Rick Tinker Insurance.
Now will know that damages caused by gale force winds such as tornados, hurricanes and cyclones is severe. If your property is in the path of a windstorm you could be in for substantial damages and losses. That is when you will need windstorm insurance.
Here are some windstorm highlights
- Winds can reach speeds in excess of 200 miles per hour
- Windstorms result in billions of dollars of damages annually
- Roof damages tops the list when it comes to windstorms
Windstorm insurance will cover your damages and losses that result from gale force winds and related whether events such as hail. In areas where windstorms are common you may find that such damage is excluded from your normal homeowner’s policy. You will need to get separate insurance for windstorm damage. The same applies to flood damage.
Windstorm insurance will also cover your possessions and can also be extended to cover detached and separate structures on your property, such as a shed or a pool. Windstorms are often followed storm surges that result in flooding. Flood damage is not covered by windstorm insurance. For that you need separate flood insurance.
It is always good to know exactly what is covered and what is excluded when it comes to insurance, be it home insurance, flood insurance or windstorm insurance. That is why you should talk to the experts who can explain it all to you.