5 Reasons Windstorm Insurance Is Worth The Price

February 1, 2022
Lightning flashes over a city skyline at night

​

Are you concerned about the safety of your family during a tornado or hurricane? The Windstorm Insurance Policy is designed to protect against damage caused by these natural disasters. It provides coverage for property damage specifically to your house.


Here are 5 reasons windstorm insurance is worth its price.


  1. It Adds Protection
    Aside from your wind damage coverage, this is beneficial to add an extra layer of security. You wouldn’t want to risk more damage to your home.

  2. Includes Detached Portions
    Not only does it insure the physical structure of your home, but also the detached portions. 

  3. Covers Damaged Fences
    You’ll likely be paid with real cash equivalent to the value of your damaged fences. The amount you receive would subtract deductions and depreciation value that has happened since the original purchase.

  4. Ensures Sidings
    Metal and vinyl siding are essential structures to your house. It helps keep the structure of the roof and house strong. You’ll be assured that these will be replaced if it’s damaged by wind.

  5. Fills In Damaged Roofs
    Damaged roofs are also reimbursed. Before the calculations, there are several factors to consider, like the damage before the wind incident. It’s not just repair but total replacement.

How To Claim Windstorm Insurance?
Check your policy.

Reviewing your policy beforehand can hasten your claim process. Make sure to take note of all the inclusions in your insurance.


File Immediately.

Wait for nothing. Check the damages and file the claim immediately.


Document all damages.

Take pictures and videos of your home. Keep all receipts as those come in handy. 


Arrange repairs.

If you need to temporarily repair damages, such as setting up a concrete block to hold the roof, keep it documented. After which, you can schedule the final repair.


Conclusion

Your homeowners' insurance can restore your home to the state it was in before the damage so that you can get on with your life. Make sure you check with your agent to find out exactly what your policy covers, so you are informed of your specific coverage. 


At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.

September 15, 2026
If you own a home in Texas City, you already know windstorm insurance isn't optional, and you've probably felt the sting of the premium on your renewal notice. Years of active hurricane seasons along the Gulf have pushed rates higher across the board, but that doesn't mean you're stuck accepting whatever number your ca
A damaged, peeling wall with dark mold growth
September 9, 2026
Mold has a way of showing up in Texas City homes when you least expect it, and Gulf Coast humidity doesn't make it any easier to avoid. Between hurricane-season moisture, everyday humidity, and the occasional leaky pipe or roof, it's one of the more common issues local homeowners run into, and also one of the more misu
September 9, 2026
Owning a home along the Texas Gulf Coast means living with a level of risk most inland homeowners never think twice about. Between hurricane season, hail storms rolling in off the Gulf, and the ever-present threat of flooding after a heavy rain, a homeowners policy here has to work harder than it does almost anywhere e
September 9, 2026
Most Texas City homeowners assume that if their house takes on water, their homeowners policy has them covered. It doesn't, and finding that out mid-claim is one of the most expensive surprises a Gulf Coast homeowner can face. Flood damage is excluded from every standard homeowners and commercial property policy in the
Home, homeowners, and flood policy comparison over a flooded house illustration
September 7, 2026
How Texas coastal homeowners actually get hurricane coverage: TWIA 2026 limits, the declination rule, WPI-8 certificates, named-storm deductibles, and the flood policy that pays for surge. Written by a Gulf Coast agent.
Flooded beach house on stilts with roof damage and insurance claim callouts about a Gulf Coast short-term rental
September 7, 2026
How to insure a Galveston, Crystal Beach, Surfside, or Port Aransas short-term rental: TWIA wind, NFIP flood, Fire & Liability policy, from an experienced local Gulf Coast Insurance agent.
August 25, 2026
Learn why TWIA requires WPI-8 certification, which Texas coastal homes need it, key exceptions, and what to do if your certificate is missing.
A smiling parent sits on a couch and lifts a happy young child
August 19, 2026
Kids explore everything, and that curiosity is part of what makes childhood fun — but it also means everyday spaces in your home can hide risks you might not think twice about as an adult. A few thoughtful changes around the house can prevent the kinds of accidents that send families to the emergency room every year.
A view of two suburban houses
August 17, 2026
It's a question we hear often in Texas City, especially once a tropical system starts showing up in the forecast: can I still get flood insurance now, or is it too late? The honest answer is that it depends on your policy type and timing, and understanding how flood insurance waiting periods work can save you from a co
An American Red Cross emergency kit with supplies like water, a flashlight, goggles, and a poncho for flood survival.
August 10, 2026
Living near the Texas Gulf Coast means flooding isn't a rare or distant threat — it's a real possibility every hurricane season, and sometimes even after a heavy afternoon thunderstorm. Whether you're right along the water or a few miles inland, knowing how to prepare, evacuate, and recover safely can make all the diff
Show More