Do I Need Hurricane Coverage in Texas Before Hurricane Season Starts? 

Hurricanes are terrifying and potentially devastating natural disasters. These severe tropical storms typically bring torrential rainfall and powerful winds, often leading to significant property damage and financial losses.

For property owners in Texas, particularly those along the Gulf Coast, hurricanes should be considered one of the most relevant and threatening perils, particularly during hurricane season.

Given the potential destruction of hurricanes and subsequent costly losses, responsible homeowners and businesses should prioritize getting hurricane insurance well in advance.

The team at AMCO Gulf LLC is standing by with the knowledge and guidance necessary to ensure suitable coverage in the face of these powerful storms.

Why Do I Need Hurricane Insurance?

Hurricane insurance typically provides critical coverage beyond the scope of standard homeowners or commercial property insurance policies. The aforementioned products often specifically exclude losses arising from floods and wind-related damage.

Given hurricanes’ propensity to cause such losses, standard coverage should typically not be relied on to provide suitable financial protection.

Hurricane insurance may not always be available as a named product either. Aspiring policyholders should understand that this term may refer to a combination of coverage, including for floods and windstorms. Such enhancements for an insurance portfolio may also be available as either endorsements or separate policies.

Regardless of how one secures coverage for hurricanes, doing so should be a top priority. Lacking adequate coverage could incur catastrophic out-of-pocket losses and an inability to rebuild or repair properties, or replace damaged belongings.

When Do I Need Hurricane Insurance?

Responsible property owners should be diligent and forward-thinking regarding their insurance needs. This may be of particular importance as it pertains to hurricanes, as waiting until a storm is on the horizon could inhibit one’s ability to get coverage.

This is due to many insurance companies enforcing a waiting period before a policy takes effect and can begin to provide coverage. Waiting periods may span at least 30 days, meaning that lacking coverage on the cusp of hurricane season could leave you without necessary financial security should a storm strike.

We’re Here to Help

Hurricanes have wreaked havoc on thousands of property owners throughout the United States, with losses often reaching or approaching record levels in recent years. With these trends in mind, responsible homeowners and businesses cannot afford to cut corners on their insurance coverage.

At AMCO Gulf LLC, we make it our mission to secure ideal policies for our clients. Visit our website or call 346-692-7097 to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.