INSURANCE

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Often people will only check on their policy once they need to file a claim. It is a good practice to re-evaluate your coverage every year. When making a plan, you have identified what hazards you are likely to encounter. Are you covered properly for flood and wind? Is your home and auto coverage adequate and reflective of your property value?

Below are some helpful links to resources that may be useful in evaluating and ensuring your insurance needs are met and identify any gaps.

National Flood Insurance Program

FEMA NFIP logo

NFIP is an organization managed by FEMA of more than 50 insurance companies. Flood insurance may not be covered (or adequately cover) loses due to flood waters. NFIP may be able to help you get coverage if you find your property has a gap in flood insurance.

Texas Windstorm Insurance Association

texaswindstorminsuranceassociation1

Wind and hail may not be covered by your regular insurance policy. Check your policy and ensure that you are protected in the event of wind damage. TWIA was formed by the Texas Legislature in 1971 to help fill this gap, as getting policies for this coverage can be difficult for certain parts of Texas.

Texas Department of Insurance