From Representative Raul Torres
Texas Insider Report: AUSTIN Texas Hurricane season officially began on June 1 and it runs through the end of November with peak hurricane activity typically occurring in August and September. Weather forecasters have predicted an above-average likelihood of a major hurricane striking along the Texas Gulf Coast this year.
Although residents of coastal areas are most at risk tropical storm systems can travel hundreds of miles inland creating the potential for wind damage and flash flooding throughout the state. Planning ahead can help you protect yourself your family and your property during hurricane season. Keep in mind that if you dont currently have windstorm insurance coverage you must purchase it before a storm enters the Gulf of Mexico. A policy will not be available until the storm makes landfall or dissipates over the water.
In addition to having adequate insurance coverage for your home or apartment the Texas Department of Insurance (TDI) also recommends you have a good understanding of what is coverage or not covered by your policy. It is also recommended that you know your policy deductible your policy limits and a basic understanding of how to file a claim should it become necessary. Finally TDI recommends that coastal residents follow these 10 tips in order to prepare for a hurricane that may make landfall near the Coastal Bend area.
- Be sure you have BOTH flood and windstorm insurance coverage. Flood insurance does not cover wind damage and windstorm insurance does not cover flood/storm surge damage.
- At least once a year take an inventory of your property. Consider videotaping a tour of your belongings. Keep all property records in a location away from your home or business.
- Insure your home or business for what it will cost to REPLACE the buildings and contents rather than basing coverage on the current market values. Deductibles vary; be sure you have chosen deductibles that you can afford should you have a loss.
- Schedule an insurance check-up with your agent at least once a year well ahead of hurricane season. If you havent done this now is the time to call your agent for a check-up. Dont wait!
- If changes to your insurance coverage are needed plan ahead. New policies and changes to current policies may not be accepted immediately prior to a hurricane. Also since your mortgage company must be listed on checks for any loss payments be sure TWIA has the correct name and address for your mortgage company.
- Be sure you know how to report an insurance claim. Keep your agents contact information and policy numbers for your flood and TWIA policies with you at all times.
- Read your insurance policies and know what is covered and what is not covered. If you are not sure talk with your agent.
- Take the time NOW to ensure that you and your family will be prepared when the next storm strikes. The time to stock up on food water and emergency supplies and boards for your windows is now. Dont wait!
- Protect your home by keeping up with routine home maintenance.
- You may be able to lessen wind damage to your home by making some simple structural upgrades such as reinforcing your garage door panels.
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