What Homeowners Should Know About Insurance Coverage for Wind, Floods and Natural Disasters

If you're buying a home in Texas or already own one, understanding your home insurance coverage is just as important as getting the right mortgage. Between windstorms, flash floods and the occasional hailstorm, it’s critical to know how you're protected and what to do if disaster strikes.

Here’s what to know and how to stay prepared.

Wind and Hail Coverage

Most standard homeowner policies cover wind and hail damage but that doesn’t mean you're automatically covered for everything. In some high-risk areas like along the coast, windstorm damage may be excluded unless added as a separate policy. In Texas, that often means getting an additional wind policy from the state windstorm insurance provider. Review your policy and check for:

• Named storm deductibles vs wind or hail deductibles

• How much you’re responsible for out of pocket

• Whether your roof is covered for replacement cost or actual cash value

Tip: If your roof is older, insurers may only pay a depreciated amount unless you have full replacement coverage.

Flood Insurance Isn’t Included

Flood damage is not covered under standard homeowner insurance. You’ll need to buy a separate flood policy either through the federal government’s flood program or from a private insurance company. Flood coverage is highly recommended even if you're not in a designated flood zone. More than 20 percent of flood claims come from homes outside high-risk areas.

Tips to Help Your Insurance Pay

1. Document everything: Take photos or videos of your home before disaster strikes. Keep receipts for upgrades or repairs.

2. Understand your policy: Know your coverage limits and exclusions. Ask your agent to explain the fine print.

3. Keep a digital copy of your policy somewhere you can access it remotely.

4. Report damage quickly: Most policies have time limits for filing claims.

5. Get repair estimates in writing from licensed contractors before agreeing to settlements.

6. Be ready to push back: If the adjuster’s offer seems too low you can dispute it or hire a public adjuster to represent you.

What To Do After a Natural Disaster

• Check for safety first: Downed power lines, gas leaks and unstable structures are priority.

• Take photos of all damage before cleaning up.

• Contact your insurance company immediately to start a claim.

• Prevent further damage: Cover broken windows, put a tarp on your roof and save all receipts. Insurance will expect you to minimize any additional damage.

• Log all communication with your insurance company: dates, names and what was said.

Bottom Line: A strong insurance policy can protect your biggest asset but only if you understand how it works. If you’re shopping for a new home or just want to double-check your coverage this is a good time to connect with a trusted insurance agent and go over the details.

Have questions or need referrals? I’m happy to connect you with local pros who specialize in coverage for Central Texas homes.