It’s 100 Degrees Outside – But Texans Still Need to Prepare for Hurricane Season
July 09, 2020
For Immediate Release
Contact: Camille Garcia, Director of Communication & Public Affairs 512-713-4262
Meteorologists are projecting two weeks of 100 degree daily temperatures but Texans can’t afford to ignore what is predicted to be an above average hurricane season. We’re no stranger to hail, wind, and flooded roads across the state but planning today can alleviate heartaches tomorrow. In August 2017, Hurricane Harvey formed quickly in the Gulf and then caused nearly $20 billion in damages to homes, autos, and businesses along the Texas coast and Houston and Beaumont areas.
How can you prepare? Here are some questions to ask your agent or insurance company:
- What does my policy cover? Most homeowners have a standard policy, however, if you live in one of the 14 counties along the coast, ICT recommends asking your agent about a windstorm policy to protect you from hurricane forced winds. Many Texas insurers write wind coverage along the coast and the Texas Windstorm Insurance Association (TWIA) serves as an alternative for wind coverage.
- Do I need a flood policy? Flooding occurs across our great state and while you may not be in a flood zone, remember that only 2 inches of water can cost over $20,000 in damage. Almost every major city in Texas has areas prone to flooding. If it rains – it can also flood. TWIA also requires a flood policy as a condition of coverage too.
- What is my deductible? Many policies have percent deductibles often ranging from 1% to 5%. Learn your deductible now and talk to your agent about what’s best for your situation.
- Can I buy my flood or wind policy when the storms start? Most flood policies take 30 days to take effect. And once a named storm enters the Gulf, there’s a moratorium on buying wind policies. Buying coverage today means peace of mind tomorrow.
- Can I protect my vehicle? Over 75% of auto policyholders have opted to add an optional comprehensive endorsement covering damage caused by hail and flood damage. If you don’t have comprehensive coverage, ask your agent whether the coverage is right for you.
Don’t forget that fraud is a big issue when disaster strikes. Some unethical contractors go door-to-door targeting consumers with high pressure sales or asking the customer to sign over insurance proceeds.
Due to covid-19, insurance companies are responding to catastrophes with customer safety in mind. Online claims reporting, virtual or drone inspections, and other contactless claims adjusting methods are being implemented. Ask your agent and claims adjuster about the options available to you.