Home insurance coverage can differ significantly between new construction and older homes due to building materials, code compliance, and risk exposure. Newer homes often benefit from modern safety standards, while older homes may require specialized coverage considerations. In our years of professional service, we’ve found that understanding these differences helps homeowners in Texas City, TX secure coverage that truly reflects their property’s risks. Why Home Age Matters in Insurance Coverage Insurance carriers evaluate risk based on how a home is built, maintained, and updated. The age of a home provides clues about everything from wiring and plumbing to wind resistance and code compliance. While both new and older homes can be well-protected, the path to proper coverage is often very different. Insurance Considerations for New Construction Homes New construction homes are typically built to meet current building codes and safety standards, which can positively influence insurance options. Advantages of Insuring New Construction Newer homes often benefit from: Modern electrical, plumbing, and HVAC systems Updated wind-mitigation standards Stronger roof attachment and materials Lower likelihood of immediate maintenance-related claims In our professional experience, insurers generally view new construction as lower risk, which can result in broader carrier availability and more favorable pricing. Coverage Still Requires Careful Review Even with newer homes, coverage should not be assumed to be “automatic.” Important considerations include: Adequate dwelling limits based on rebuild cost, not purchase price Proper coverage for upgrades or custom features Windstorm and deductible structures aligned with exposure Homes near coastal features such as the Texas City Dike may still require specialized wind or storm-related endorsements regardless of age. Insurance Challenges With Older Homes Older homes can present unique risks that insurers evaluate closely. Common Risk Factors in Older Homes Insurance carriers often look for: Outdated electrical systems Aging plumbing or galvanized pipes Older roofing materials Non-compliant construction features In Texas City, TX, older homes may have been built under standards that differ significantly from today’s requirements, which can impact both eligibility and pricing. How Older Homes Can Still Be Well-Insured Age alone does not make a home uninsurable. In our years of professional service, we’ve helped homeowners secure strong coverage by focusing on: Documented updates and renovations Roof replacements or reinforcements Plumbing and electrical system upgrades Clear maintenance records These improvements often help offset age-related concerns and expand carrier options. Replacement Cost Differences Between New and Older Homes Replacement cost is one of the most important distinctions between new and older homes. Rebuilding New Construction For newer homes, replacement cost is often easier to calculate because: Materials and designs are standardized Construction methods are current Code compliance is already built in This can reduce uncertainty when setting dwelling limits. Rebuilding Older Homes Older homes can be more complex and expensive to rebuild due to: Custom or discontinued materials Higher labor costs for specialized work Required code upgrades during rebuilding In our professional experience, underestimating replacement cost is one of the most common coverage gaps for older homes. Policy Endorsements Often Differ by Home Age Insurance policies are rarely identical across different home types. Common Endorsements for Older Homes Older properties may require or benefit from: Ordinance or law coverage for code upgrades Limited water damage endorsements Roof-specific coverage provisions Common Endorsements for New Homes Newer homes may qualify for: Wind mitigation credits Lower deductibles due to construction features Broader coverage options with fewer exclusions Homes near community areas like Bay Street Park may face similar environmental exposure regardless of age, but construction quality still plays a major role in coverage structure. Claims Experience: New vs. Older Homes Claims trends also differ between new and older properties. Typical Claims for New Construction These may include: Storm-related roof damage Isolated water losses Manufacturer or installation defects Typical Claims for Older Homes Older homes are more likely to experience: Plumbing-related water damage Electrical issues Wear-related failures misclassified as sudden losses Understanding these trends helps homeowners anticipate coverage needs and avoid surprises during claims. Choosing the Right Coverage for Your Home’s Age Whether your home is newly built or decades old, the goal is the same: align coverage with real risk. Key Questions Homeowners Should Ask Is my dwelling limit based on rebuild cost? Are my systems and roof accurately reflected in the policy? Do I have endorsements that match my home’s age and condition? Are deductibles realistic for my financial situation? In Texas City, TX, we’ve seen homeowners benefit greatly from policy reviews that account for how construction age affects both coverage and claims outcomes. Making Confident Insurance Decisions New construction and older homes each come with distinct insurance considerations. The key is not which type is “better,” but whether the policy is properly tailored to the home you own. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get 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. Brad Spurgeon Insurance Agency Inc. Address: Texas City, TX Phone: (409) 945-4746 Website: https://www.privatewindstorm.com/

Windstorm insuranc e rates can vary widely from one homeowner to another because pricing is based on risk, construction details, and policy structure—not just location alone. Factors such as roof type, building materials, deductibles, and coverage limits all play a role in determining premiums. In our years of professional service, we’ve found that understanding these variables helps homeowners in Texas City, TX make smarter, more cost-effective coverage decisions. What Windstorm Insurance Is Designed to Cover Windstorm insurance is intended to protect homes from damage caused by high winds, including hurricanes, tropical storms, and severe wind events. Along the coast, this coverage is often excluded from standard homeowners policies and must be purchased separately or through a specialized program. Because wind damage can result in large-scale losses, insurers assess risk carefully. This is why premiums can differ significantly—even between homes that appear similar on the surface. Location Risk Is Only the Starting Point Geographic exposure is one of the first pricing considerations, but it is not the only one. How Insurers Evaluate Wind Exposure Insurance carriers consider: Proximity to the coastline or open water Historical storm frequency and severity Regional wind maps and catastrophe models Homes closer to areas like the Texas City Dike or other exposed coastal infrastructure are generally considered higher risk, but location alone does not determine the final rate. In Texas City, TX, two neighboring homes can have very different premiums depending on how well they are built and protected. Construction Features That Impact Windstorm Rates The way a home is built has a major influence on windstorm insurance pricing. Key Structural Factors Insurers Review Common construction-related factors include: Roof shape (hip roofs often perform better than gable roofs) Roof covering material and age Roof-to-wall attachment methods Wall construction (masonry vs. frame) Presence of storm shutters or impact-resistant windows In our professional experience, newer construction or homes that have been upgraded to meet modern wind-mitigation standards often qualify for lower premiums. Roof Condition and Materials Matter More Than Many Realize The roof is one of the most critical components in windstorm risk evaluation. Why Roof Details Affect Pricing Insurers closely examine: Roof age and remaining useful life Type of roofing material Installation method and maintenance history An older roof—even on an otherwise well-maintained home—can significantly increase windstorm insurance costs or limit carrier options. We frequently advise homeowners that roof improvements can have a direct and measurable impact on premiums. Deductibles Play a Major Role in Pricing Windstorm policies often use percentage-based deductibles rather than flat dollar amounts. Understanding Windstorm Deductibles Key points to consider: Deductibles are commonly based on a percentage of the dwelling limit Higher deductibles usually result in lower premiums Lower deductibles increase premiums but reduce out-of-pocket exposure In our years of professional service, we’ve found that many homeowners underestimate how percentage deductibles work until a claim occurs. Choosing the right deductible is a balance between affordability and financial preparedness. Coverage Limits and Policy Structure The amount of coverage you choose directly affects your premium. How Coverage Choices Influence Cost Insurers factor in: Dwelling coverage limits Extended or guaranteed replacement cost options Ordinance or law coverage Additional endorsements Policies with broader protection and higher limits naturally cost more, but they also reduce the risk of underinsurance after a major storm. Claims History and Insurance Score Your personal insurance profile also plays a role. Personal Factors That Can Affect Rates These may include: Prior windstorm or property claims Length of insurance history Overall insurance score While these factors don’t outweigh construction or exposure risks, they can influence which carriers are available and how competitively a policy is priced. Why Rates Can Change Over Time Even if nothing about your home changes, windstorm rates can still increase. Common Reasons for Rate Changes Rising reinsurance costs for insurers Increased frequency or severity of storms Changes in building codes or loss data Market shifts affecting carrier participation In our professional experience, regular policy reviews help homeowners stay ahead of these changes rather than reacting after a premium spike. Using Knowledge to Control Windstorm Costs While no one can control the weather, homeowners do have influence over many pricing factors. Upgrading roof materials, maintaining the property, selecting appropriate deductibles, and reviewing coverage regularly can all help manage windstorm insurance costs. We’ve worked with homeowners near Bay Street Park and surrounding neighborhoods who were able to improve their pricing position simply by understanding how insurers view risk. Making Informed Windstorm Insurance Decisions Windstorm insurance rates vary because risk varies. The more accurately your policy reflects your home’s true risk profile, the more likely you are to secure appropriate coverage at a reasonable cost. Understanding these pricing factors puts you in a stronger position to protect your home and finances. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get 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. Brad Spurgeon Insurance Agency Inc. Address: Texas City, TX Phone: (409) 945-4746 Website: https://www.privatewindstorm.com/

A denied home insurance claim does not automatically mean you’re out of options. Many denials are based on documentation issues, policy interpretation, or correctable errors rather than final decisions. In our years of professional service helping homeowners in Texas City, TX, we’ve seen that informed, timely action can often change the outcome. Why Home Insurance Claims Get Denied Insurance claim denials are frustrating, but they are also more common—and more nuanced—than most homeowners realize. A denial does not always mean the damage isn’t covered; it often means the insurer believes a specific condition of the policy was not met. Common Reasons for Claim Denials Some of the most frequent causes include: Damage excluded by the policy (such as flooding under a standard homeowners policy) Insufficient documentation or delayed reporting Wear and tear misclassified as sudden damage Disputes over the cause of loss Policy limits or deductibles affecting payout eligibility In our professional experience, many homeowners receive denial letters that are difficult to interpret without guidance, leading them to assume the decision is final when it may not be. Step One: Review the Denial Letter Carefully The denial letter is the foundation of your next steps. It explains why the insurer denied the claim and references specific policy language. What to Look for in the Letter When reviewing the denial, focus on: The stated reason for denial The policy section or exclusion being cited Any deadlines for appeals or additional documentation Instructions for requesting reconsideration We’ve found that denials are often based on narrow interpretations of policy wording, which can sometimes be challenged with supporting evidence. Step Two: Compare the Denial to Your Policy Your insurance policy —not the denial letter—is the controlling document. Carefully compare the insurer’s explanation to the actual policy language. Key Policy Sections to Review Pay close attention to: Covered perils and exclusions Definitions of damage types Deductible structure Endorsements or special provisions In our years of professional service, we’ve seen cases where coverage applied, but the insurer initially overlooked an endorsement or misapplied an exclusion. Step Three: Document and Support Your Claim Strong documentation can make the difference between a closed claim and a reconsidered one. Evidence That Can Strengthen Your Case Depending on the situation, useful documentation may include: Photos or videos taken immediately after the loss Repair estimates from licensed contractors Maintenance records showing the home was properly cared for Weather reports or third-party assessments Written statements explaining the timeline of events For homeowners near coastal infrastructure like the Texas City Dike, external factors such as wind patterns or storm timing can be especially relevant when clarifying cause of loss. Step Four: Request a Reinspection or File an Appeal Many policies allow you to formally dispute a claim decision. Options After a Denial Your next steps may include: Requesting a reinspection by the insurer Submitting additional documentation for reconsideration Filing a written appeal within the insurer’s timeframe Engaging a public adjuster in complex cases In Texas City, TX, we’ve helped homeowners understand when an appeal is appropriate versus when a different coverage solution is needed for future protection. Step Five: Understand When the Denial Is Valid Not every denial is incorrect. Some losses are legitimately excluded, and recognizing this can help you avoid unnecessary frustration. Examples of Valid Denials Common legitimate exclusions include: Flood damage under a standard homeowners policy Long-term seepage or maintenance-related damage Certain wind or named-storm exclusions without endorsements When a denial is valid, the most productive step is often reviewing your coverage gaps and adjusting your policy to prevent future exposure. How Denials Can Reveal Coverage Gaps A denied claim often highlights weaknesses in a policy that weren’t obvious at purchase. Coverage Improvements to Consider After a denial, homeowners may want to review: Windstorm or named-storm endorsements Flood insurance options Deductible structures and percentage deductibles Coverage limits for high-risk exposures In our professional experience, claim denials frequently serve as a turning point that leads to stronger, more resilient insurance protection. Why Professional Guidance Matters After a Denial Insurance policies are legal contracts, and claim decisions are not always straightforward. Having an experienced professional review your situation can help clarify your options and prevent costly mistakes. We’ve worked with homeowners near Bay Street Park and surrounding neighborhoods who initially believed they had no recourse, only to discover that additional steps were available once the policy details were properly reviewed. Moving Forward With Confidence A denied home insurance claim can feel overwhelming, but it does not have to be the end of the road. With the right documentation, a clear understanding of your policy, and informed guidance, many homeowners are able to either challenge a denial or strengthen their coverage for the future. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get 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 . Brad Spurgeon Insurance Agency Inc. Address: Texas City, TX Phone: (409) 945-4746 Website: https://www.privatewindstorm.com/

Choosing the right auto insurance isn’t just about meeting l egal requirements—it’s about protecting your vehicle, your finances, and your peace of mind. Many drivers only carry the minimum coverage required by their state, not realizing how vulnerable they still are to unexpected accidents, theft, weather events, and everyday mishaps. Understanding the difference between basic auto coverage and comprehensive coverage is essential for making an informed decision. Whether you're a new driver, a seasoned commuter, or someone reviewing their policy in a coastal city like Texas City, TX, knowing what each policy includes helps ensure you’re never caught off guard. What Is Basic Auto Coverage? Basic auto insurance typically includes only the minimum coverage required by state law. While this keeps premiums lower, it provides limited protection. Common Components of Basic Auto Coverage 1. Liability Insurance Covers damage or injuries you cause to others. Bodily Injury Liability: Medical costs for injured parties Property Damage Liability: Repairs to the other driver’s vehicle or property 2. Personal Injury Protection (PIP) or Medical Payments Depending on your state, this may cover: Medical bills Lost wages Certain rehabilitation expenses 3. Uninsured/Underinsured Motorist Coverage Protects you if the at-fault driver has no insurance or not enough coverage. What basic coverage DOES NOT cover: Damage to your vehicle Theft Vandalism Weather-related damage Collision with animals Drivers who rely solely on basic coverage often face large out-of-pocket expenses after an unexpected incident. What Is Comprehensive Auto Coverage? Comprehensive coverage is optional but highly recommended because it protects your vehicle from non-collision-related damage. What Comprehensive Coverage Includes Theft and Vandalism If your car is stolen or damaged intentionally. Fire, Flood, and Natural Disasters Critical for drivers in areas prone to storms or flooding—such as regions along the Gulf Coast and cities like Texas City, TX. Falling Objects Tree branches, debris, or other impacts. Weather Damage Hail, windstorms, lightning, and more. Animal Collisions Coverage for hitting a deer or other wildlife. Glass/Window Damage Often includes or can be expanded to cover windshield repair or replacement. Unlike basic coverage, comprehensive insurance helps pay for damage to your OWN vehicle—even when you're not driving.

Buying a home is one of the biggest financial decisions you’ll ever make—and when the property is located in a flood-prone area, the stakes become even higher. Flooding can cause extensive damage, disrupt daily life, and dramatically impact long-term property value. Yet, many buyers are still drawn to these areas for their affordability, waterfront access, or investment potential. Before committing to a purchase in a flood-risk zone, it’s crucial to understand how these risks affect home value, insurance requirements, and your long-term financial security. With the right knowledge and preparation, you can make a confident, informed, and strategic buying decision. Understanding Flood-Prone Properties What Makes a Property “Flood-Prone”? A flood-prone property is one located in an area with a statistically higher chance of flooding, such as: Coastal regions Low-lying neighborhoods Areas near rivers, lakes, or bayous Regions with inadequate drainage or older infrastructure FEMA flood maps are updated regularly and classify regions by risk level, influencing both insurance requirements and lender guidelines. How Flood Risk Impacts Property Value 1. Insurance Costs Increase Long-Term Ownership Expenses Properties in high-risk areas often require separate flood insurance , especially if the buyer has a federally backed mortgage. Higher flood insurance premiums can: Reduce affordability Limit a home’s resale appeal Influence market pricing 2. Maintenance and Repair Costs Can Be Higher Homes in flood-prone zones often require: Foundation inspections Water mitigation systems Elevated utilities or structural components Frequent repairs after major storms These recurring costs can affect total ownership value over time. 3. Property Appreciation May Be Slower Buyers may be hesitant to purchase in high-risk regions, which can cause: Slower appreciation Lower resale prices Longer listing times 4. Severe Flood Events Can Reduce Value Immediately After significant floods, some properties experience: Decreased buyer interest Lower appraisal values Stricter insurance requirements What Buyers Should Evaluate Before Purchasing 1. Review FEMA Flood Zone Maps Determine whether the home is in: A high-risk flood zone (AE, VE) A moderate-risk zone (X shaded) A low-risk zone (X unshaded) This affects insurance, resale value, and available financing. 2. Request the Property’s Flood History Ask the seller or agent for: Past flooding incidents Insurance claim history Mitigation efforts or improvements Knowing the property’s real-world performance is just as important as its zoning. 3. Examine the Elevation Certificate This document shows the home’s elevation relative to flood levels and directly affects flood insurance rates. 4. Inspect the Home for Flood-Resistant Features Smart buyers look for: Elevated HVAC systems Flood-resistant building materials Proper drainage and grading Functional sump pumps or backflow valves 5. Understand Local Insurance Requirements Some states and communities—coastal areas especially—may have additional rules or programs that influence insurance costs and availability. For buyers considering properties in Texas City, T , it’s especially important to review local flood maps, insurance requirements, and property elevation due to the community’s access to waterways and proximity to the Gulf. Proactive research helps ensure you’re making a safe and financially sound decision in a region where flood awareness is essential. Financial Safeguards for Buyers in Flood-Risk Zones Consider Flood Insurance Early Even if it's not required, purchasing optional flood insurance in lower-risk areas can be a smart move. Budget for Future Mitigation Improvements Flood vents, foundation upgrades, and drainage corrections can add long-term protection. Evaluate Long-Term Resale Potential Choose areas with strong demand, good infrastructure, and ongoing community development. Work With Local Agents and Inspectors Professionals who understand the flood-related challenges in your region can help identify risks you may not notice. Smart Questions to Ask Before Buying a Flood-Prone Home Has the property ever flooded? What were the repair costs? What is the current flood insurance premium? Are there existing mitigation features? Are there any upcoming community drainage or infrastructure projects? How many times has the neighborhood flooded in the last decade? Buying with clarity minimizes financial surprises later. Conclusion Purchasing a home in a flood-prone area requires careful evaluation and preparation—but it doesn’t have to be risky. By understanding the true impact on property value, reviewing insurance obligations, and thoroughly researching the area’s flood history, you can confidently choose a property that fits your needs and financial goals. With the right information and proactive planning, even homes in higher-risk locations can be smart, long-term investments. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get 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 . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.

Your home is one of your biggest investments—financially and emotionally. But many homeowners don ’t realize they’re underinsured until disaster strikes. Whether it’s a house fire, storm damage, or a major plumbing failure, inadequate home coverage can turn an already stressful event into a financial crisis. Understanding what happens when you don’t have enough home insurance is essential for protecting your property, your wallet, and your peace of mind. This guide explains the risks of being underinsured and how to make sure your policy truly safeguards your home. What Does It Mean to Be Underinsured? Being underinsured means your homeowner’s insurance policy does not provide enough coverage to fully repair or rebuild your home after a loss. This often happens because homeowners: Select covera ge based on their home’s market value, not its replacement cost Forget to update their policy after renovations or additions Choose lower coverage limits to reduce premiums Don’t fully understa nd included (and excluded) protections In fast-growing areas or coastal regions like Texas City, TX, repair and labor costs can rise quickly—making accurate coverage more important than ever. What Happens When Your Home Is Underinsured? 1. You May Have to Pay Thousands—Or More—Out of Pocket If the cost to rebuild your home exceeds your coverage limit, you are responsible for the remainder. Even a small gap can add up fast. Example: If your home requires $300,000 to rebuild but you’re only insured for $220,000, you must pay the additional $80,000 yourself. 2. You Could Face a Coinsurance Penalty Many homeowners policies include a coinsurance clause, which requires you to insure your home for a specific percentage of its replacement cost (usually 80%–100%). If you fall below that threshold—even by accident—you may receive only a partial payout for your claim. 3. You May Not Have Enough Coverage for Detached Structures Detached garages, sheds, fencing, and other outdoor features are often covered as a percentage of your dwelling amount. If your dwelling coverage is too low, every other structure’s coverage automatically drops as well. 4. Your Personal Belongings May Be Underprotected Your personal property coverage is typically set as a percentage of your dwelling limit. Underinsuring your home also underinsures your belongings—including furniture, electronics, clothing, and valuables. 5. Temporary Living Expenses Might Not Be Fully Covered If your home becomes uninhabitable, loss of use coverage helps pay for hotel stays or temporary housing. But if your main policy limit is too low, these benefits may cap out quickly—leaving you to cover the remaining costs. 6. Renovations or Improvements May Not Be Covered Many homeowners complete upgrades—new kitchens, flooring, room additions—without notifying their insurance carrier. If your home value increases but your coverage doesn’t, your policy will not reflect the true cost of repairs. 7. Mortgage Requirements Could Be Impacted Lenders require adequate insurance to protect their investment. If they determine your coverage is too low, they may: Require additiona l insurance Place costly lender-issued coverage on your policy Delay refinancing or hom e-equity approvals For homeowners in Texas City, TX, choosing adequate home coverage is especially important due to storm risks, rising construction costs, and ongoing property development. Ensuring your policy reflects accurate replacement costs can help prevent financial hardship after a major loss. How to Make Sure You Have Enough Home Coverage Insure Your Home to Its Full Replacement Cost This is the amount needed to rebuild—not sell—your home. Review Your Policy Every Year Costs change, and your insurance should too. Update Your Carrier After Renovations Even small improvements affect your replacement value. Inventory Your Belongings Photo or video documentation makes claim processing easier. Consider Extended or Guaranteed Replacement Cost Coverage These upgrades provide protection if rebuilding costs exceed your limits. Ask About Ordinance & Law Coverage This covers the extra costs of bringing your home up to current building codes after a loss. The Long-Term Impact of Being Underinsured Choosing lower coverage to save money may feel smart in the short term—but it can lead to: S ignificant debt Delayed repairs Incomplete rebuilding Loss of property value Financial strain for your family Adequate home insurance ensures you can rebuild your life—not just your house—after a major loss. Conclusion Not having enough home coverage can leave you financially vulnerable when disaster strikes. From out-of-pocket repair costs to coinsurance penalties and insufficient personal property protection, the consequences can be overwhelming. By reviewing your policy regularly, understanding your replacement costs, and adjusting your coverage as needed, you can protect your home, your investment, and your future. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get 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 . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.

Windstorms can cause sudden and costly damage—especially in coastal and storm-prone areas. Yet many homeowners don’t realize they’ve made critical mistakes with their windstorm insurance until after a major storm hits. By then, fixing coverage gaps becomes impossible, and the financial consequences can be devastating. Understanding how windstorm insurance works and avoiding common errors can protect your home, your budget, and your peace of mind. Whether you live on the Gulf Coast, inland, or in a high-risk coastal town like Texas City, TX, taking proactive steps ensures you’re never caught off guard when severe weather strikes. What Is Windstorm Insurance and Why Does It Matter? Windstorm insurance provides coverage for damage caused by high winds, hurricanes, hailstorms, and tropical storms. Many standard homeowners insurance policies exclude windstorm damage—especially in coastal states like Texas—making a separate policy essential. Windstorm insurance can cover: Roof and structural damage Exterior repairs, such as windows and siding Damage caused by debris Interior damage resulting from wind-created openings Detached structures, depending on the policy Because storms can be unpredictable, understanding your coverage before hurricane season is crucial. Common Windstorm Insurance Errors—and How to Avoid Them 1. Assuming Wind Damage Is Automatically Covered One of the biggest misconceptions is thinking homeowners insurance includes all types of storm damage. Many policies in high-risk areas exclude or limit wind coverage. Avoid the mistake: Review your policy’s exclusions carefully Ask your agent if you need a separate windstorm policy Confirm hurricane deductible requirements 2. Not Understanding Your Windstorm Deductible Windstorm or hurricane deductibles often work differently from standard deductibles. Instead of a set dollar amount, they’re usually a percentage of your home’s insured value. Example: If your home is insured for $350,000 and your windstorm deductible is 2%, you’ll pay $7,000 out of pocket before coverage begins. Avoid the mistake: Know your deductible percentage Evaluate whether you can comfortably afford it during a storm Adjust your policy if it’s too high 3. Failing to Meet Inspection or Certification Requirements Some states—such as Texas—may require windstorm inspections or certifications for eligibility, especially near the coast. Skipping these steps can result in denied claims, even if you believe your home is properly protected. Avoid the mistake: Sched ule regular inspections Ensure your roof and structural components meet state wind-resistant standards Keep documentatio n handy for future claims 4. Underinsuring Your Home A major error is insuring your home for less than its full replacement cost. If a storm causes total or severe damage, this can leave homeowners paying thousands out of pocket. Avoid the mistake: Verify your ho me is insured for replacement cost (not market value) Update your policy after renovations or upgrades Account for rising ma terial and labor costs 5. Forgetting to Review Coverage for Detached Structures Sheds, fences, garages, and other detached structures may have limited coverage or require specific endorsements. Avoid the mistake: Check which structures are included Add endorsements if needed Photograph any ex ternal structures for documentation 6. Not Preparing Documentation Before a Storm When a storm hits, filing a claim becomes much easier if you already have proof of your home’s condition. Avoid the mistake: Take photos or videos of your property annually Keep receipts for roofing, windows, and upgrades Store documents d igitally in case paper copies are lost 7. Waiting Too Late to Update Your Policy Most insurers won’t allow you to update or purchase coverage when a storm is already approaching. This is especially true in storm-sensitive regions like Texas City, TX, where insurers may freeze policy changes days before a hurricane. Avoid the mistake: Rev iew your coverage each spring Update your policy before hurricane season begins Don’t wait until a storm forms in the Gulf In coastal communities such as Texas City, TX, where strong winds and tropical weather events are common, it’s essential for homeowners to review their windstorm policies regularly and ensure they meet state certification requirements. Proactive preparation can make a significant difference during peak storm seasons. Additional Tips for Stronger Windstorm Protection Add Impact-Resistant Roofing Many insurers offer discounts for reinforced or code-compliant roofing materials. Secure Windows and Doors Shutters, impact glass, and storm panels reduce structural damage. Trim Trees and Clear Debris Loose branches and outdoor items become dangerous projectiles during storms. Keep Emergency Supplies Ready Maintain water, flashlights, chargers, and a portable generator if possible. Conclusion Windstorm insurance protects your home from some of the most devastating weather events. But having a policy isn’t enough—you must understand it fully to avoid costly mistakes when you need coverage the most. By reviewing your policy regularly, verifying deductible amounts, ensuring proper inspections, and maintaining updated documentation, you can weather any storm with greater confidence. Preparation today ensures you don’t get caught off guard tomorrow. At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get 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 . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.

Owning a bo at brings freedom, adventure, and relaxation—but it also comes with responsibility. Whether you enjoy fishing, cruising, or weekend trips on the water, boat insurance is essential for protecting both your vessel and your financial well-being. Many boat owners are surprised to learn that damage or liability from boating accidents isn’t covered under standard homeowners or auto insurance policies. That’s where boat insurance comes in. This guide explains what boat insurance typically covers, what may require additional protection, and how to make sure you have the right policy for your needs. What Is Boat Insurance? Boat insurance is a type of policy that helps cover the cost of damage, loss, or liability associated with owning and operating a watercraft. It can apply to a range of vessels, including: Fis hing boats Sailboats Pontoon boats Personal watercraft (Jet Skis, WaveRunners) Yachts Policies vary based on the boat type, size, value, and how and where you use it. Core Coverages in a Boat Insurance Policy Boat insurance typically includes several key coverage features: 1. Physical Damage Coverage This helps repair or replace your boat if it’s damaged due to: Collision with another vessel Dock or pier impact Storm or wind damage Fire, theft, or van dalism What’s covered: Hull, motor(s), anchors, sails, and permanently attached equipment. 2. Liability Coverage If your boat causes injury to someone else or damages another vessel or property, liability coverage helps pay for: Repa ir costs Medical bills Legal expenses (if you are sued) This is one of the most important forms of protection for boat owners. 3. Medical Payments Coverage Regardless of who is at fault, this helps pay for medical expenses if you or your passengers are injured while boating. Examples include: Emergency room visits Ambulance services X-rays and basic follow-up care 4. Uninsured/Underinsured Boater Coverage Just like with auto insurance, not everyone on the water carries adequate coverage. This helps protect you if your boat or passengers are injured by someone without insurance or with too little insurance. Additional Coverages You May Want to Consider Depending on your boating lifestyle, you may want extra protection:

Flooding has always been a natural part of weather cycles, but in recent years, the frequency and severity of flood events have increased dramatically. Climate change is reshaping weather patterns, raising sea levels, and contributing to more powerful storms. All of this has made flooding one of the most significant environmental and financial threats facing homeowners today. Understanding how climate change affects flood risks—and what you can do to prepare—can help protect your home, your property, and your peace of mind. How Climate Change Is Increasing Flood Risk Climate change influences weather systems in multiple ways that contribute to flooding: 1. Rising Sea Levels As global temperatures increase, glaciers and ice sheets melt, causing sea levels to rise. Communities along coastlines are now more vulnerable to: Higher storm surge Permanent erosion Coastal flooding during high tides 2. Stronger and More Frequent Storms Warmer ocean temperatures fuel stronger hurricanes and tropical storms that carry more moisture. This means: Hea vier rainfall over short periods Increased flash flooding Greater storm intensity and damage potential 3. Shifts in Seasonal Weather Patterns Some regions are experiencing more extreme rainfall during certain seasons, while others experience prolonged dry spells followed by sudden heavy rain—both of which exacerbate flood risks. Types of Flooding Homeowners May Face Not all flooding looks the same. Climate change is contributing to different forms of flooding in urban and rural environments: