Is Hurricane Damage Covered by Insurance?
Is there an insurance policy that will cover damage claims from a hurricane?
In Texas, damage from hurricane force winds or wind-driven rain or debris is covered under either a standard homeowners insurance policy or a Texas Windstorm Insurance Association policy, depending on where you live. If you live in 14 specific Texas gulf coast counties and a portion of Harris county, a Texas Windstorm Insurance Association policy will cover your wind and hail damage. For everywhere else in Texas, a standard homeowners insurance policy will cover hurricane wind, rain, and debris. Hurricane-related flooding, however, is specifically excluded from homeowners policies and Texas Windstorm Insurance Association policies. Flood insurance for the vast majority of home and business owners must be obtained by a separate flood insurance policy.