Windstorm insurance protects your home from damage caused by high winds.
It covers events like hurricanes, tropical storms, and strong wind gusts.
This type of policy helps pay for repairs to your home and property after a storm hits.
It’s essential for homeowners living near the Texas coast.
Yes. In many coastal areas—including Corpus Christi and the Coastal Bend—windstorm insurance is often required.
Mortgage lenders typically won’t approve loans without it in these high-risk zones.
Standard homeowners insurance usually doesn’t cover windstorm damage, so this policy is a critical addition.
A windstorm policy typically covers:
These protections give homeowners peace of mind during hurricane season.
Let’s talk about your goals. We offer free consultations for all financial, insurance, and tax services in Corpus Christi.
Windstorm insurance is specific in its coverage. It generally does not include:
It’s important to understand what’s excluded, so you’re never caught off guard.
Because Corpus Christi is in a high-risk hurricane zone, most standard homeowners policies exclude windstorm coverage.
Insurers separate this risk into its own policy due to the increased exposure to wind-related events in coastal Texas.
There are two main ways to get windstorm insurance:
TWIA is a state-backed option for those who can’t find coverage in the private market.
At Melissa Lara Financial, we’ll help you compare policies and find the best fit for your home.
Windstorm insurance only covers damage caused by wind.
Hurricane insurance usually includes both wind and flood coverage.
In coastal Texas, homeowners often need separate policies for wind, flood, and standard home protection.
TWIA offers windstorm coverage when private insurers won’t.
It typically covers:
TWIA has limits, deductibles, and eligibility rules.
We can walk you through your TWIA options and explain how deductibles affect your premium.
A WPI-8 certificate proves your home meets windstorm building codes.
You need this certificate to qualify for TWIA coverage.
Melissa Lara Financial can help you check your home’s compliance and guide you through the certification process.
There are smart ways to lower your windstorm insurance costs:
Upgrades like these not only improve safety but may also help you qualify for discounts.
At Melissa Lara Financial, we understand how important it is to safeguard your property in Corpus Christi.Our team is here to help you choose the right windstorm insurance and give you peace of mind before the next storm season.
