Insurance Home About us Business Auto Home  Professional & Medical Liability Contact us

Insurance Types

 Auto Insurance
 Boat Insurance
 Business Insurance
 Car Insurance
 Dental Insurance
 Employment Insurance
 Farmers Insurance
 Flood Insurance
 Guardian Insurance
 Health Insurance
 Home Owner Insurance
 Life Insurance
 Malpractice Insurance
 Mortgage Insurance
 Motorcycle Insurance
 Other Insurance
 Pet Insurance
 Renters Insurance
 Rental Car Insurance
 Travel Insurance

Unemployment Insurance

 Workman Compensation

Texas Department of Insurance

Summaries of the News Releases for 2005


TDI Urges Coastal Residents to Review Insurance Coverages

News Release Date: 7/21/2005
Category:   Disaster/Storms

AUSTIN – During this already active hurricane season, officials at the Texas Department of Insurance (TDI) are reminding all Gulf Coast home and business owners that is important to periodically review your insurance policies to ensure that coverages are adequate and up-to-date.

Ideally this kind of review should be done before the June 1 start of hurricane season, but it’s not too late. Hurricane season runs through November, with peak activity usually occurring in August and September. Weather forecasters have predicted a very active hurricane season with an above-average likelihood of a major hurricane striking the Texas Gulf Coast this year.

TDI offers these tips to help ensure your home or business is adequately protected:

• Call your insurance agent to review coverage and policy limits. Make certain your homeowners or commercial property coverage is in force and that it provides adequate coverage to pay the full replacement cost of your property. Make sure you understand what the policy does and does not cover. If you’ve made improvements to your home, consider increasing your policy’s limits to cover the enhanced value of the property. Even without recent improvements, property values increase overtime and insurance policies have to be adjusted accordingly.

• Find out whether you need windstorm insurance. If your property is located in one of Texas’ 14 coastal counties, or parts of southeastern Harris County, you will likely only be able to obtain insurance coverage for windstorm or hail damage from a special insurance pool called the Texas Windstorm Insurance Association (TWIA). To qualify for TWIA coverage, your property must pass a windstorm inspection and meet windstorm-resistant building standards. It’s important to note that you cannot buy or change TWIA coverage once a hurricane is in or near the Gulf of Mexico. If you currently have TWIA coverage, review your policy carefully and know your policy limits. Compare your TWIA and homeowners policies and make sure you are insured to an appropriate replacement value. For more information about windstorm coverage, call TWIA at (512) 899-4900 or visit its website at

• Consider flood insurance. Homeowners and commercial property policies specifically exclude coverage for damage from flooding. To protect yourself from losses caused by rising water, you’ll need a separate flood insurance policy from the National Flood Insurance Program (NFIP). NFIP is administered by the Federal Emergency Management Agency. Flood insurance policies have a 30-day waiting period after the purchase date before coverage takes effect, so if you don’t have a policy, you should obtain one as soon as possible. For more information, contact NFIP at 1-888-FLOOD 29 (356-6329).

• Contact TDI if you need more information. Call 1-800-252-3439 or visit our website at





All Rights Reserved. © 2005.