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Homeowners Insurance: What's Covered?

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When purchasing insurance time is of the essence. "Generally you cant buy it if there is a hurricane in the Gulf," said Haynes.


For example, residents who live in coastal counties like Calhoun, Aransas, and  Matagorda Counties  their homeowners policies do not include coverage for  wind and hail damage. However you can purchase wind and hail coverage through the Texas Windstorm Insurance Association.

If you live further inland in like Victoria, Goliad or Jackson counties, your homeowners policy will  cover wind and hail damage. However for flooding, flood insurance must be purchased separately from your homeowners policy, but it does come with one condition…

"Generally its going to be 30 days if you buy it through FEMA. If you can get it on the private market, they have gotten it down to 10 days," said Haynes.

People often think their roof is covered but most of the time that's not the case. 

"A lot of policies today, will depreciate for the roof. In other words, they won't buy you a new roof. So if your roof is 15 to 20 years old, they may only pay half of what it's going to cost you to get a new roof," said Haynes.

Knowing what you need to fully protect your home, is critical, and could save you money after the storm. Haynes recommends everyone to sit down with their agent and go over their policy, especially what is covered and all the associated deductibles, so you wont be caught by surprise.  

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