{"id":14945,"date":"2026-08-18T07:56:00","date_gmt":"2026-08-18T12:56:00","guid":{"rendered":"https:\/\/www.betterwayins.com\/?p=14945"},"modified":"2026-08-18T07:56:00","modified_gmt":"2026-08-18T12:56:00","slug":"do-homeowners-in-port-arthur-tx-need-separate-windstorm-and-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.betterwayins.com\/es\/blog\/do-homeowners-in-port-arthur-tx-need-separate-windstorm-and-flood-insurance\/","title":{"rendered":"Do Homeowners in Port Arthur, TX Need Separate Windstorm and Flood Insurance?"},"content":{"rendered":"<p>The financial consequences of a major storm can be devastating, and many homeowners discover too late that their\u00a0standard\u00a0<a href=\"https:\/\/www.betterwayins.com\/coverage\/homeowners\/\">home insurance policy<\/a>\u00a0leaves significant gaps. Better Way Insurance Agency works\u00a0with property owners\u00a0to help\u00a0secure\u00a0financial protection\u00a0against\u00a0severe weather.<\/p>\n<h2>What Standard Homeowners Insurance Usually Covers<\/h2>\n<p>Homeowners\u00a0insurance\u00a0may cover\u00a0damage caused by wind, hail,\u00a0fire\u00a0and theft.\u00a0A standard policy typically\u00a0includes\u00a0the following:<\/p>\n<ul>\n<li><b>Dwelling coverage<\/b>\u00a0may help cover the structure of your home.<\/li>\n<li><b>Personal property\u00a0coverage\u00a0<\/b>may help cover your belongings.<\/li>\n<li><b>Other structures coverage\u00a0<\/b>may help cover fences, tool\u00a0sheds\u00a0and other detached structures on your property.<\/li>\n<li><b>Liability coverage<\/b>\u00a0may help cover incidents in which someone is\u00a0injured\u00a0or their property is damaged in an accident you cause.<\/li>\n<li><b>Loss-of-use coverage\u00a0<\/b>may help pay for temporary housing or living costs if you are displaced during repairs.<\/li>\n<\/ul>\n<p>However,\u00a0exclusions apply. Standard policies\u00a0don\u2019t\u00a0include\u00a0flood damage, and in high-risk coastal areas,\u00a0such as\u00a0Jefferson\u00a0County,\u00a0wind damage is also typically excluded.<\/p>\n<h2>The Difference Between Water and Wind Damage<\/h2>\n<p>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\u00a0damage\u00a0from rising water or storm surge, is a separate category. Adjusters look closely at the origin of the damage, and without\u00a0adequate\u00a0coverage,\u00a0a significant portion\u00a0of your losses may not be reimbursed.<\/p>\n<h2>Why Each Peril May Require\u00a0Additional Coverage<\/h2>\n<p>Flood insurance\u00a0often\u00a0must\u00a0be\u00a0purchased\u00a0as a\u00a0separate\u00a0policy and may be available\u00a0through\u00a0the National Flood Insurance Program\u00a0or a private insurer. Windstorm coverage can work the same way. In many coastal counties, standard carriers exclude wind and hail entirely,\u00a0but\u00a0homeowners\u00a0may\u00a0obtain coverage through\u00a0the\u00a0Texas Windstorm Insurance Association\u00a0or private insurers.<\/p>\n<h2>Get Covered Today<\/h2>\n<p>Better Way Insurance Agency\u00a0is dedicated to helping clients in Port Arthur, TX find the right homeowners insurance solutions.\u00a0<a href=\"https:\/\/www.betterwayins.com\/contact-us\/\">Contact us<\/a>\u00a0today to review your policies and close\u00a0coverage\u00a0gaps before the next storm season.<\/p>\n<p>&nbsp;<\/p>\n<p><i>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.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The financial consequences of a major storm can be devastating, and many homeowners discover too late that their\u00a0standard\u00a0home insurance policy\u00a0leaves significant gaps. works\u00a0with property owners\u00a0to help\u00a0secure\u00a0financial protection\u00a0against\u00a0severe weather. What Standard Homeowners Insurance Usually Covers Homeowners\u00a0insurance\u00a0may cover\u00a0damage caused by wind, hail,\u00a0fire\u00a0and theft.\u00a0A standard policy typically\u00a0includes\u00a0the following: Dwelling coverage\u00a0may help cover the structure of your home. Personal [&hellip;]<\/p>\n","protected":false},"author":69,"featured_media":14947,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"%%post_title%% %%sep%% %%sitetitle%%","_seopress_titles_desc":"[zy_company_name]\u00a0is dedicated to helping clients find the right homeowners insurance solutions.\u00a0Contact us\u00a0today to review your policies.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[1,13],"tags":[],"class_list":["post-14945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-home-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/posts\/14945","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/comments?post=14945"}],"version-history":[{"count":2,"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/posts\/14945\/revisions"}],"predecessor-version":[{"id":14949,"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/posts\/14945\/revisions\/14949"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/media\/14947"}],"wp:attachment":[{"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/media?parent=14945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/categories?post=14945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.betterwayins.com\/es\/wp-json\/wp\/v2\/tags?post=14945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}