It is important to make sure you have the right coverage in place BEFORE a named storm enters the Gulf. As storms and hurricanes develop, different insurance companies restrict and prohibit binding at different times and in different ways. For this reason, coverage cannot be considered bound until written confirmation is received by the insurance company even if a quote has been presented by our agency – and even if payment has been received.

Why is windstorm insurance important?

• Windstorm policies cannot become effective after a hurricane enters the Gulf, as defined by the Texas Windstorm Insurance Association, until the TWIA determines that the storm no longer threatens property within the designated area.

• A review and update of your current property values and business income limits takes minutes and can help protect you should a costly storm catch you off guard.

Why is flood insurance important?

• 27% of Households believe flood is covered by their homeowners of renters policy. Flood damage is not covered by homeowners insurance.

• 1 in 4 flood losses paid under the NFIP (National Flood Insurance Program) are for properties in low to moderate risk areas — affecting people who were probably least concerned about flooding.

It may be wise to obtain flood insurance even if your property is not in a flood prone zone!

If you have any questions at all about your coverage please call your agent for a comprehensive review of your storm & flood coverage. We’re ready and willing to answer your questions and help you make sure you’ve got the correct coverage to face potential threats.

For information on how to create an emergency plan for your home and business, visit the American Red Cross at www.redcross.org. Click here to view a hurricane safety checklist from redcross.org.

Have a great Day!