The Texas Office of Public Insurance Counsel created the Coastal Consumers Page
to provide insurance consumers along the coast with a resource to arm them with the knowledge to make informed decisions regarding their coverage. On this page you will find OPIC consumer brochures, policyholder notices, links to rules and other regulatory actions affecting coastal consumers and important news impacting the Texas coast.
HOMEOWNERS INSURANCE AND THE TEXAS COAST: What You Need to Know.
Homeowners coverage can be a complicated issue for most Texas residents and it can be particularly complex if you live on the Texas coast. This brochure provides an overview of the different types of coverage you may need to protect your coastal property.
WINDSTORM INSURANCE IN TEXAS: What Has Changed?
As a result of recent legislation, the Texas Department of Insurance (TDI) has adopted emergency rules that amend the Texas Windstorm Insurance Association (TWIA) Plan of Operation and affect coastal consumers ability to obtain and maintain coverage through TWIA. This brochure is an overview of the new TWIA requirements.
click here for Texas Wind and Hail Insurance Information
Federal Emergency Management Agency (FEMA)
Find out how to protect Your Property, Home or Business from Disasters such as hurricanes and floods.
FEMA's mission is to prepare the nation for all hazards and effectively manage federal response and recovery efforts following any national incident.
FEMA National Flood Insurance Program
Texas is served by FEMA Region VI
Find out your relative flood risk today, online. Simply enter your property information from the link below, and we'll show you the relative flood risk to your property, links to flood insurance resources, and a list of licensed insurance agents who serve your area.
To determine your flood risk click here.
Not all coastal areas are eligible for FEMA flood insurance. Some coastal areas are excluded by the Coastal Barrier Resources Act which established the Coastal Barrier Resources System (CBRS). The links below describe the CBRS and provide maps to determine if your area is part of the CBRS and non eligible for FEMA.
Common Questions Asked by Homeowners about Insurance If a fire, flood, earthquake, or some other natural disaster were to destroy or damage your home:
To simplify explanations, we assume that you have a policy known as Homeowners-3 (HO-3), the most common homeowners policy in the United States. Find out what type of homeowners policy you have. Question # 1: Am I covered for direct losses due to fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism and theft?
Question # 2: Are my jewelry and other valuables covered?
Question # 3: If my house is totally destroyed in a fire and I have $150,000 worth of insurance to cover the structure, will this be enough to rebuild my home?
Question # 4: Am I covered for flood damage?
Question # 5: A pipe bursts and water flows all over my floors. Am I covered?
Question # 6: What if water seeps into my basement from the ground, am I covered?
Question # 7: Am I covered for earthquake damage?
Question # 8: A neighbor slips on my sidewalk or falls down my porch steps and threatens to take me to court for damages. Does my policy protect me?
Question # 9: A tree falls and damages my roof during a storm. Am I covered?
Question # 10: During a storm, a tree falls but does no damage to my property. Am I covered for the cost of removing the tree?
Question # 11: If a storm causes a power outage and all the food in my refrigerator or freezer is spoiled and must be thrown out, can I make a claim?
Question # 12: I have children away at college. Are they covered by my homeowners insurance?
Question # 13: My golf clubs are stolen from the trunk of my car. Does my homeowners policy cover the loss?
Question # 14: I have a small power boat. If it is stolen, am I covered? What if there is a boating accident and I get sued? Am I covered for that?
Question # 15: My house is close to the ocean. I’ve heard that if it is destroyed by the wind, the town's new building code requires me to rebuild the house on stilts. This will add $30,000 to the cost of rebuilding my house. Am I covered for this extra cost?
Question # 16: Am I covered for “Acts of God”?
Question # 17: What should I do if my policy provides less coverage than the HO-3?
Explore the Texas Gulf Coast
The I.B.H.S Fortified Living Standards specify construction, design and landscaping guidelines to increase a new home's resistance to natural disaster from the ground up. For information on I.B.H.S. and Fortified...for safer living® click here.
Homeowners Disaster Insurance Guide
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