Three Tips to Prepare for a Windstorm

Windstorms in Texas can wreak serious havoc on your home. After a windstorm, Corpus Christi, TX homeowners may need to file an insurance claim for the damage that occurred to their roofs, such as fallen tree limbs puncturing the roof or shingles that blew off. Here at Revolutionary Insurance Group, we have a few preventative tips that you can take to prepare for a windstorm and minimize the damage to your home and pocketbook.

Trim Back the Trees

If you have a tree that hands over the roof of your home, you need to trim the limbs back. There are two main reasons for this. The first is so the limbs don’t scrape against the shingles. The second is so that the limbs don’t break off and puncture the shingles.

It doesn’t take a windstorm for these overextending branches to cause damage. These limbs could drop nuts, leaves, and twigs into your gutters, causing them to clog more often.

Install Storm Shutters

If there are extremely high winds, there is a chance that outside objects could get picked up by the winds and thrown at and potentially through your windows. One way to prevent this from happening is to invest in storm shutters. This is important if you live in a high-risk zone, as they will protect the windows from flying debris.

If you are alerted of a storm with high winds, the storm shutters can be closed in mere minutes. This type of preventative measure can reduce the overall risk of needing to file a claim while also potentially reducing your insurance premiums.

Invest in Windstorm Insurance

Homeowner’s insurance can cover many types of property damage, but when it comes to wind-related damage, you may not be able to recoup all the losses. This is particularly true for Corpus Christi, TX homes, since they are located along the coast. You may need to consider investing in additional coverage in the form of windstorm insurance.

For more information about windstorm insurance and how you can protect your home in the event of a windstorm, contact us at the Revolutionary Insurance Group today. We are happy to sit down with you and discuss your needs.

What Windstorm Insurance Actually Covers

Windstorm insurance is often also called hurricane buydown insurance, and it’s a vital part of living along the coast where windstorms can occur. Many people think their standard home insurance policy will cover this kind of weather event, but that’s not the case. This is separate insurance that a mortgage company will require, and homes without a mortgage should still have the insurance so they can stay protected from damage if a windstorm strikes their area. At Revolutionary Insurance Group, we want all of our customers in the Corpus Christi, TX area to have the right kind of insurance to keep their homes safe from harm.

Insurance for windstorms covers the damage that the wind from a storm like a hurricane can actually do to a house or other structure. It’s different from other types of damage that can happen and be covered on a homeowners policy. A windstorm is a unique event, and the kind of harm it can cause to a home is unique, as well. Thus, it’s crucial to ensure that you have the right type and level of coverage to have peace and mind, and protection. Since the Texas coast can be prone to windstorms, houses have to pass inspection before getting this kind of insurance.

Anyone in the Corpus Christi, TX area can reach out to us at Revolutionary Insurance Group today and let us find the right policy for their needs. Windstorm insurance is an important part of living in a part of the country where these storms can occur. You’ll not only have peace of mind when you have this type of insurance, but you’ll also know that your home or other dwellings will have the proper level of protection it needs for the future, as well.

Three things you should know about windstorm insurance

Windstorm insurance could be very important for you as a homeowner depending on what part of the country you live in. We offer windstorm insurance to Corpus Christi, TX residents at Revolutionary Insurance Group.

You should be aware of the following three things if you are considering purchasing windstorm insurance. 

Windstorm insurance is coverage for your property for damage caused by heavy winds.

Windstorm insurance covers a home for any damage that is caused by high winds or weather events involving high winds like hurricanes and tornados.

This type of insurance generally covers damages experienced both on the exterior and the interior of a home. Some windstorm insurance coverage might also cover damage caused to outbuildings like sheds and garages. Windstorm insurance might also provide coverage for exterior structures like swimming pools or landscaping features. 

Homeowners often need to purchase windstorm insurance separately from their standard homeowner’s insurance policy. 

Many homeowners make the incorrect assumption that coverage for damage from heavy winds is definitely included in their homeowner’s insurance policy. However, this is not necessarily the case.

Insurance providers often will not include coverage for wind damage in areas of the country that are particularly prone to heavy winds. 

Windstorm coverage won’t cover damage caused by flooding resulting from storms.

Weather events involving heavy winds are often followed by flooding. However, windstorm insurance doesn’t provide coverage for flood damage. Windstorm insurance will cover for the damage caused by wind, but homeowners will pay out-of-pocket for damage resulting from storm surges or flooding within the home. Homeowners wanting to have flood damage covered will need to buy additional flood insurance. 

If you’d like to learn more about windstorm insurance, get in touch with us. We provide Corpus Christi, TX homeowners with important information about windstorm coverage at Revolutionary Insurance Group.