Do Homeowners in Port Arthur, TX Need Separate Windstorm and Flood Insurance?

The financial consequences of a major storm can be devastating, and many homeowners discover too late that their standard home insurance policy leaves significant gaps. Better Way Insurance Agency works with property owners to help secure financial protection against severe weather.

What Standard Homeowners Insurance Usually Covers

Homeowners insurance may cover damage caused by wind, hail, fire and theft. A standard policy typically includes the following:

• Dwelling coverage may help cover the structure of your home.
• Personal property coverage may help cover your belongings.
• Other structures coverage may help cover fences, tool sheds and other detached structures on your property.
• Liability coverage may help cover incidents in which someone is injured or their property is damaged in an accident you cause.
• Loss-of-use coverage may help pay for temporary housing or living costs if you are displaced during repairs.

However, exclusions apply. Standard policies don’t include flood damage, and in high-risk coastal areas, such as Jefferson County, wind damage is also typically excluded.

The Difference Between Water and Wind Damage

Claims depend heavily on the cause of damage. Wind damage, such as a torn roof or broken windows, is typically a windstorm claim. Flood damage, such as damage from rising water or storm surge, is a separate category. Adjusters look closely at the origin of the damage, and without adequate coverage, a significant portion of your losses may not be reimbursed.

Why Each Peril May Require Additional Coverage

Flood insurance often must be purchased as a separate policy and may be available through the National Flood Insurance Program or a private insurer. Windstorm coverage can work the same way. In many coastal counties, standard carriers exclude wind and hail entirely, but homeowners may obtain coverage through the Texas Windstorm Insurance Association or private insurers.

Get Covered Today

Better Way Insurance Agency is dedicated to helping clients in Port Arthur, TX find the right homeowners insurance solutions. Contact us today to review your policies and close coverage gaps before the next storm season.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.