Wind and flood insurance are often excluded from standard homeowner’s policies
Severe weather conditions are occurring more frequently and this translates into a higher probability of property damage and loss. This means you need to take a closer look at your insurance especially wind insurance and flood insurance. Rick Tinker is a reputable and recommended agent that know all about wind insurance and flood insurance in Alvin, Brazoria, Friendswood, Galveston, Houston, League City, Mansfield, Pearland, Texas Gulf Coast, TX.
Wind damage is more common than damage that results from tornados and twisters. Wind speeds in excess of 100 mph can do substantial damage if you don’t have the right wind insurance you can lose everything you have worked so hard to accrue. Mobile homes in particular are extremely vulnerable to storm damage especially wind damage.
You need to be sure what coverage you have for storm, wind and flood damage especially if you live in a high risk area. Often insurance companies exclude certain types of storm damage from your homeowner’s policy. In that case you may need to rely on insurer of last resort such as the Texas Windstorm Insurance Association (TWIA)
Floods are another major source of property damage. In some high risk areas private flood insurance might not even be possible. Weather related property damage occurs frequently in the state of Texas and large percentage of this damage is as a result of flooding. Most homeowners’ policies don’t include flood insurance. You will therefore need to look at other flood insurance options such as that provided by the National Flood Insurance Program (NFIP).
A professional and independent agent such as Rick Tinker can advise you regarding the best options for windstorm and flood insurance. You want to deal with an agent that has experience and knowledge regarding your local areas and can advise and arrange proper flood or wind insurance for you.