Texas Windstorm Insurance & Construction

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Before You Sign a Real Estate Sales Contract Along the Gulf Coast 
Find Out if Windstorm & Flood Insurance is Available Before You Buy!

Windstorm Insurance in High Wind Areas
Along the
14 Gulf Coast Coastal Counties

Windstorm Insurance - Check Before You Buy

Homeowners insurance does not cover wind related damages. Before you buy check to see how you will insure the property and how much it will cost. Most insurance carriers have dropped windstorm insurance coverage after 2005. If you live in one of the 14 first-tier coastal counties in Texas your lender may not loan you money as they (nor you) are not protected from wind related insurance claims. These 14 coastal counties are designated as a high wind catastrophie area .

The windstorm construction program started in the mid-1980's in Texas through the Texas Dept. of Insurance. The windstorm certification process starts before the foundation is poured and onward through construction.

Contact the Texas Dept. of Insurance Windstorm Division for more
information at 1-800-248-6032 and the Texas Windstorm Insurance Association at (512) 899-4900.

item6No WPI-8? This should have been found out before you bought and closed in the tranaction process. There should have been an inspection during a new build construction, remodel or repair and then certified by a windstorm engineer that the builder, roofer or remodeler followed the requirements before he can certify it. Sometimes addresses get lost or entered as a typo so call TDI and ask. If your immediate neighbors have one so should you. Call the builders engineer and ask.

Before you buy do your required due diligence and see if the property is insurable and at what price.

Map of Texas Counties Affected

Map of Harris County & Cities Affected

What is the Windstorm Insurance Program?

Questions to Ask Your Realtor BEFORE You Buy

Don't Be Caught Without Windstorm Insurance

Only TDI APPROVED AND LISTED BUILDING MATERIALS can be used for construction and repair (Roofing, siding, windows, doors and more).....
click here

Approval Process for Properties Without a Windstorm Certificate (Subject to Change)....... Download

As a result of Katrina and Rita, Harris County was also deemed a high wind area by insurers with some of  them dropping windstorm insurance coverage from homeowner policies.

For more information about obtaining or maintaining windstorm insurance coverage when you build, remodel, add-on, repair or re-roof a structure, the Texas Department of Insurance (TDI) encourages you to contact your insurance agent or the Windstorm Inspection Division of TDI.

Areas Affected
The information contained on the Windstorm Inspection Program's webpage is applicable only to structures located in the following 14 First Tier Counties along the Texas Gulf Coast as indicated in section 3(k)(1) of Article 21.49 of the Insurance Code: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy or in one of the cities east of State Highway 146 in Harris County (La Porte, Morgan's Point, Pasadena, Seabrook, Shoreacres) if the property owners are seeking wind and hail coverage through the Texas Windstorm Insurance Association.


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FEMA Maps of Your Property

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Has the home previously flooded? Had damages? Had a fire? Water pipes break? Hail damage? How do you know if if it's not being disclosed? You can find out by having your insurance company look at the Comprehensive Loss Underwriting Exchange (CLUE) and the windstorm records should be reviewed. This is part of your due diligence when looking at homes. Be smart. Do your homework.

More Coming..come back often

You certainly don't want to forget to find out about insurance availability if you plan to live in a hurricane zone. Increasingly due to insurance reforms and cancellations I receive numerous phone calls a month from homeowners that were just notified by their insurance carrier that they do not have a windstorm insurance certificate and are facing increases in insurance. You see, homeowners insurance does not cover anything that is wind related (storms, hurricanes, etc.) so if you live in a designated catastrophie zone you need windstorm insurance as a separate policy. Windstorm insurance rates are typically higher than homeowners insurance rates.

If the property was built in the era of 1988/1989 along the first tier coastal counties and east of Hwy 146 in Harris County then you should check to see if a windstorm insurance certificate is on file.
Again, homeowner's policies do not cover flood or claims caused by high wind, storms, hurricanes, etc.

This was harshly felt after hurricanes Katrina and Rita when insurance companies decided to drop windstorm insurance to avoid the monetary risks. After hurricane Ike many found out what insurance does not cover and the harsh realities of deductibles and inadequate coverage.

A windstorm insurance certificate search can be easily done by your insurer or the real estate sales agent at time of listing or your home inspector. This is should be done prior to entering into a contract of sale. If you bought a home that did not have a windstorm certificate and no one told you then that is negligence. Some newer properties do not have windstorm certicates due to builder neglect which makes insurance more expensive and in some cases, doubtful. This may appear to have a substantial market value impact on the property. If a high wind loss occurs you are not covered by basic homeowner's insurance.

Older properties currently enrolled into the windstorm program without certificates may continue to obtain insurance but at a higher cost.

A windstorm insurance certificate (WPI-8) for the home means the property was designed, inspected during construction and certified by the windstorm engineer hired by the builder (or owner) to meet the required windstorm construction codes with all the necessary straps, anchors, bolts, hold-downs and nailing. This includes the foundation, roof shingles, exterior and interior walls and roof structure for the wind loads to be imposed.

All properties (regardless of age) in the Gulf Coast should be checked for windstorm insurance certificates or windstorm availability as they also apply to renovations, repairs, re-roofing, siding, door and window replacements, patio covers and additions to name a few. If it wasn't approved then it may be considered substandard construction.

In one case it took the insurance carrier 5 years to figure out there was no windstorm certificate. To put it simply, if you do not have all the insurance necessary to protect the property and the loan from windstorm, the lender can step in and mandate action. Some state insurance laws allow issurers up to 60 days after issuing a policy to thrououghly review all the underwriting information, including CLUE reports,and cancel a policy if new information comes to light that makes the risk unacceptable to the insurer. A homeowner's policy must be in place at closing and since many homebuyers leave purchasing a homeowner's policy at the last minute, the insurer may not have checked all the underwriting material by the time closing takes place. This may leave issues that could arise after the home is closed and the buyer has moved in.

Repairing Roof After a Storm

Repairing Siding After a Storm

Repairing Windows and Doors After a Storm

Repairing Garage Doors After a Storm

Repairs After a Storm

No Inspection Required

Texas Windstorm Insurance Association (TWIA)
nsurability Requirements

ICC/IRC Combination Code Certified Inspector (Combination R-5)

   International Code Council (ICC) Residential Building Inspector
  International Code Council (ICC) Residential Electrical Inspector
International Code Council (ICC) Residential Mechanical Inspector
International Code Council (ICC) Residential Plumbing Inspector

Legacy Southern Building Code Congress International - SBCCI Combination Code Certified

Texas Dept. of Insurance - VIP Property Inspector 16708061031

Texas Real Estate Commission Professional Inspector 1646

Legacy - Texas Residential Construction Commission Inspector 1590- (Dispute Resolution Inspector)

Member of International Association of Certified Home Inspectors - InterNACHI 

InterNACHI - Certified Property Inspector

InterNACHI - Certified Home Energy Inspector

Texas Real Estate Commission Qualified Sponsoring Professional Inspector

League City Home Inspections • Tiki Island & Bayou Vista Home Inspections

Texas City Home Inspections • Pearland Home InspectionsBeach House Inspections

Galveston Home Inspections • Seabrook Home Inspections • Dickinson Home Inspections

• Alvin Home Inspections • Houston Home Inspections • Treasure Island Home Inspections

• Surfside Home Inspections • Freeport Home Inspections • Galveston County Inspections

• Brazoria County Inspections • Baytown Home Inspections • Coastal Inspections

County (all counties) IRC Construction Inspections

Providing professional real estate home inspection service in Galveston, Harris, Brazoria counties and area communities. Houston home inspection service area includes: Galveston, South and East Harris, East Fort Bend and West Chambers counties including the communities of League City, Friendswood, Pearland, Texas City, LaMarque, Dickinson, Sienna Plantation, Riverstone, San Leon, Bacliff, Kemah, Clear Lake Shores, Taylor Lake Village, Pasadena, Deer Park, LaPorte, Shoreacres, Seabrook, Hiitchcock, Santa Fe, Alvin, Manvel, Danbury, Liverpool, East Baytown.
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