Spring Storm Season in Texas: Is Your Insurance Ready for Hail and High Winds?

Springtime in Texas brings bluebonnets, warmer weather—and the return of hail and windstorms. As beautiful as the season can be, it’s also one of the most active times for severe weather in the Lone Star State. Wind and hail account for some of the most frequent and costly property damage claims in Texas each year. 

Before the skies turn dark, take a few minutes to review your insurance coverage and storm readiness. Here are some essential tips from the Insurance Council of Texas to protect your home and your wallet this spring: 

Review Your Insurance Policy 

Don’t wait until a storm hits to learn what your homeowners policy covers. Carefully review your policy and talk with your insurance agent if you have questions. Make sure your coverage limits reflect today’s rebuilding costs—not just what your home was worth when the policy was written. 

Know Your Deductibles 

Texas policies often include a separate wind and hail deductible, which can be a percentage of your home’s insured value. That means if you have a 2% deductible on a $300,000 home, you’ll pay $6,000 out of pocket before coverage kicks in. 

Take time to understand: 

• Your wind/hail deductible amount 

• Whether it’s a flat amount or a percentage 

Understand ACV vs. Replacement Cost 

When a roof or other part of your home is damaged, your insurer will typically settle the claim based on one of two methods: 

• Actual Cash Value (ACV): This pays the depreciated value of your property. For example, if your roof is 15 years old, you’ll receive a reduced payment based on its age and wear. 

Replacement Cost: This pays the full cost to repair or replace the damaged item, with no deduction for depreciation (up to your coverage limit). 

Understanding the difference can help you plan for out-of-pocket expenses or consider making changes to your policy. 

Keep Documentation 

Take time now to document your property: 

• Photograph your roof, siding, fencing, and major appliances 

• Keep receipts for repairs and upgrades 

• Save a digital copy of your insurance policy and important contact numbers 

Make Small Repairs Now 

Fix loose shingles, trim tree branches, and secure outdoor furniture or decor. These small efforts can help prevent larger damage—and larger claims—during wind or hailstorms. 

Stay Informed 

Use weather apps and sign up for local emergency alerts to stay on top of changing conditions. The faster you can take shelter or secure your property, the better. 

Texas weather is unpredictable, but your storm prep doesn’t have to be. A few proactive steps can help you weather the season with peace of mind.