High-velocity winds can cause severe damage to your property. Common windstorm claims involve roofs blowing off, trees falling on your property, fences blown down, and leaky windows. This type of damage can also bring hidden damages that aren’t realized upon the initial assessment of your property. GET A QUOTE.
Windstorm insurance is a special type of property-casualty insurance that protects policyholders from property damage caused by gusty events: tornadoes, hurricanes, gales. Windstorm insurance will typically cover physical damages to the property and personal belongings.
If you’re in an area with a high risk of windstorms, review your policy language carefully with an agent from Misty Emmons Insurance. If you’re located in a high-risk zone, you may be able to purchase coverage as an endorsement to your standard small business insurance policy or homeowner’s policy.
The Texas Wind Insurance Association provides coverage to residential and commercial properties in 14 counties of the Texas seacoast territory including Nueces, San Patricio, and Kleberg counties. The designated catastrophe area is that portion of the seacoast territory where the Commissioner of Insurance has found that windstorm and hail insurance is not reasonably available.
The policy provides wind and hail coverage when insurance companies exclude it from homeowners and other property policies sold to coastal residents.
Eligibility for a TWIA policy ( GET A QUOTE )
Applicants and properties must meet the following criteria:
Properties must be located in the area designated by the Commissioner of Insurance, which currently includes all 14 first-tier coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy) and parts of Harris County east of Highway 146. There are more requirements that an agent from Misty Emmons Insurance Agency can go over with you.
What does a TWIA policy cover? TWIA policies provide coverage only for windstorm and hail damages to property covered by the policy. By law, no other perils (such as fire or theft) are covered by TWIA policies. TWIA policies do not cover flood damage. Flood coverage can be obtained through the National Flood Insurance Program (NFIP).
TWIA coverage types:
Residential: Dwellings, personal property, manufactured homes
Commercial: Commercial buildings, business personal property, townhouses and condominiums
Miscellaneous Items: Including but not limited to signs, fences, swimming pools, and flagpoles