Windstorm insurance alternatives
Windstorms are no strangers to the Brazoria, Galveston and Texas Gulf Coast areas and if you own property in these areas you surely need windstorm insurance. Now not all insurance carries offer windstorm air flood insurance so you may need to turn to an insurer of last resort, such as the TWIA (Texas Windstorm Insurance Association) and the Texas Department of Insurance (TDI). Rick Tinker is an independent agent specializing in flood and windstorm insurance and they can help you with the right coverage for your property in Brazoria, Galveston or the Texas Gulf Coast.
The reason why so many insurance carriers no longer offer flood or windstorm insurance is a matter or risk and return, Due to the high risk of windstorms and floods in certain areas and amount of devastation often associated with such storms, most insurance carriers just don’t have the stomach for it. They see the possibility of enormous claims and high volumes of them, as too much of a risk.
That is why it is a good idea to speak to the experts at Rick Tinker as they have some options for you when it comes to windstorm and flood insurance. They also offer Pearland wind insurance policies that can cover your residential or commercial property in Brazoria, Galveston and along the Texas Gulf Coast.
They do in fact have alternatives to the TWIA options. For example, they issue policies that have a single deductible for your building and contents. They also offer deductibles for wind and hail as opposed to hurricane only deductibles. They also don’t require a WWP18 certificate. There windstorm insurance also does require flood insurance.
So there are some good reasons to consider speaking to the team at Rick Tinker insurance when it comes to windstorm insurance.