Windstorm Insurance

XYZ Restorations is here to help you navigate through Windstorm Insurance and proper certification. 

Understanding and Obtaining Windstorm Insurance

Windstorm insurance is vital for anyone insuring a personal or business property on or near Texas coastal waters. If you live in one of Texas’ 14 coastal counties or are new to the Texas Windstorm process, navigating the maze of windstorm regulations can be as perilous as sailing through stormy waters.

XYZ Restorations, LLC is here to assist you through the process and help you obtain the proper repairs and construction to be properly certified.

 

Do You Need Windstorm Insurance?

There is no requirement for Windstorm Insurance in Texas, however almost any mortgage company will require coverage as part of their terms. Even if you are building your own structure, from your own pocket without use of a mortgage, it is a good idea to build any structure compliant to windstorm specifications. Because inspections can only be made during construction, the Certificate of Compliance is a major selling point guaranteeing code compliance and windstorm insurance eligibility. If you build or renovate a major structure without obtaining a Certificate of Compliance, re-selling the structure down the road can be very challenging as it may be ineligible for windstorm insurance or may require a heavy surcharge to the policy premium.

It is important to have windstorm protection well before a hurricane is projected to come near your home or business. Once a hurricane enters the Gulf of Mexico, you can no longer purchase new or additional windstorm insurance coverage in Texas until after the storm has made landfall and cleared your area.

Flood insurance is equally important to coastal home and business owners, but offers no protection from wind or hail damage. Just as flood insurance doesn’t provide for wind damage, windstorm insurance provides no protection from flooding. Coastal residents would be well-advised to obtain both types of insurance.

Coastal Counties and Areas Affected

The following Counties are affected:

  • Aransas
  • Brazoria
  • Calhoun
  • Cameron
  • Chambers
  • Galveston
  • Jefferson
  • Kenedy
  • Kleberg
  • Matagorda
  • Nueces
  • Refugio
  • San Patricio
  • Willacy

The following parts of Harris County are included if your property is located east of State Highway 146 in Harris County: La Porte, Morgan’s Point, Pasadena, Seabrook, or Shore Acres

What Type of Construction Require an Inspection?

While not required for all construction, the following projects typically require an inspection for windstorm insurance purposes:

  • New Structures
  • Additions
  • Alterations
  • Re-roofs
  • Re-decking

Windstorm insurance inspections under this program must be made by either a Texas Department of Insurance (TDI) inspector or an engineer who has been appointed by the Commissioner of Insurance.

Because TWIA processes and rules are not flexible under any circumstances, it is important that you hire XYZ RESTORATIONS, LLC. We are familiar with and follow all necessary guidelines. Cutting financial corners during construction can cost you more money in the long run.

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