Contact Us: ​(409) 945-4746
Brad Spurgeon Insurance Agency Inc.
  • Home
  • Quotes
    • Home Insurance Quote
    • Flood Insurance Quote
    • Windstorm Insurance Quote
    • Other Quotes >
      • Auto Insurance Quote
      • Business Insurance Quote
      • Life Insurance Quote
      • Condo Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Terms of Use
    • Privacy Policy
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Home Insurance
    • Flood Insurance
    • Windstorm Insurance
    • Other >
      • Auto Insurance
      • Business Insurance
      • Life Insurance
      • Condo Insurance
      • Landlords Insurance
      • Renters Insurance
      • Boat Insurance
      • Builders Risk
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Partners
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Newsletter Signup
    • Careers
    • Refer a Friend
    • Blog
    • News
    • Reviews
    • Videos
  • Contact
  • Home
  • Quotes
    • Home Insurance Quote
    • Flood Insurance Quote
    • Windstorm Insurance Quote
    • Other Quotes >
      • Auto Insurance Quote
      • Business Insurance Quote
      • Life Insurance Quote
      • Condo Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Terms of Use
    • Privacy Policy
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Home Insurance
    • Flood Insurance
    • Windstorm Insurance
    • Other >
      • Auto Insurance
      • Business Insurance
      • Life Insurance
      • Condo Insurance
      • Landlords Insurance
      • Renters Insurance
      • Boat Insurance
      • Builders Risk
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Partners
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Newsletter Signup
    • Careers
    • Refer a Friend
    • Blog
    • News
    • Reviews
    • Videos
  • Contact

Agency Blog

Hurricane Season is About To Begin - Read This!

7/4/2017

0 Comments

 
Picture
​Of course your home is important because it protects your family. It’s where you raise your children and spend most of your time. It is also your most valuable investment and you’ve probably already protected it with a homeowners insurance policy.

You should be aware though, that the best home insurance cannot pay for all types of hurricane damage. It is important to understand what is under coverage on your homeowner's policy. It is the key to finding the right hurricane insurance.
There are two main problems that hurricanes bring: the wind and water. How threatening those are to you may depend on where you live. But, you might need to buy separate policies for hurricane damage coverage.

Flood Insurance

Homeowners insurance policies usually do not cover floods. This includes the water that came from a storm surge. You need to have flood insurance to get the coverage.

Windstorm Insurance

Here in Texas, most homeowners insurance policies do not pay for windstorm damage. You need to get a separate windstorm insurance coverage or work with an agency who can help you get homeowners insurance that comes with appropriate windstorm coverage. Our agency will be happy to help you with that.

Homeowners Insurance 

Homeowners insurance policies usually don't cover flood damage from hurricanes. It does not cover flood. You may buy a separate flood insurance through the National Flood Insurance Program and we can help you with that in our agency.

Standard homeowners policies may cover damage from the wind but they also may not. In some cases this includes Hurricanes. Here in Texas, in many cases you need to buy separate windstorm insurance. You may do this through the state-run insurance pool or your insurance company. It may be available to ride on your current policy. Windstorm insurance covers damage from high wind and may or may not cover hurricanes.

Understanding Deductibles

Some insurers give a separate windstorm or hurricane deductible. It limits the financial risk to the company in the event of another catastrophic event. The deductible is the amount that you may subtract from your insurance claim. You may do this whenever you lose the property in a hurricane. 

Home insurance deductibles usually have a flat dollar amount. Windstorm deductibles are a percentage of the insured value of the home. They may range from 1% to 5%. It may be higher in high-risk coastal areas. If your home has $500,000 insurance and you have a wind deductible of 5%, they will deduct $25,000 when you file a claim.

Insurers may apply a hurricane deductible if there is a true hurricane. The "trigger" in the homeowner's policy will dictate when it will kick in. When a storm gets a name, it can cause a deductible. Windstorm deductible may only apply to damages from high winds.

The Cost of Insurance for Hurricane Damage

A windstorm policy's cost depends on a variety of factors, including your deductible amount. It may also vary where you live and the cost of rebuilding your home. Whenever you buy hurricane insurance make sure that you have enough coverage. It should pay for the cost of rebuilding your home. Your insurance agent may help in getting the right amount.

At the Brad Spurgeon Insurance Agency Inc., we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you, please contact our agency at (409) 945-4746 or Click Here to request a free quote.
0 Comments



Leave a Reply.

    CONTACT US
     (409) 945-4746​ 
    1118 14th Street N
    Texas City, TX 77590
    Click Here to Email Us

    Archives

    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    November 2016

    Categories

    All
    Auto Insurance
    Boat Insurance
    Business Insurance
    Condo Insurance
    FAQs
    Financial
    Flood
    Flood Insurance
    Home
    Home Insurance
    Insurance
    Life Insurance
    Local
    Safety
    Umbrella Insurance
    Windstorm
    Windstorm Insurance

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Review Us

Social Media

Newsletter Signup

Share This

Texas City Office

Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746​
Click Here to Email Us

Galveston Office

Brad Spurgeon Insurance Agency Inc.
​335 Westerly Dr
Galveston, TX 77554

(409) 877-7755​
Click Here to Email Us
Website by InsuranceSplash