Hurricane Preparation Tips For Texans 

Texans know hurricane season can bring powerful storms that can cause costly damage. Taking appropriate steps before a storm hits can help reduce risk and respond more effectively.

How to Prepare for Hurricanes in Corpus Christi, TX

Consider the following strategies:

• Review your homeowners, renters or flood insurance policy and check if wind or hurricane damage is included.
• Purchase separate flood insurance, as most standard policies don’t cover flooding.
• Store digital and paper copies of insurance documents in a safe, accessible location.
• Take photos or videos of your property for documentation in case you need to file a claim.
• Prepare an emergency kit with food, water, first-aid supplies, batteries and essential medications.
• Trim trees and remove debris around your home to reduce potential hazards.
• Install storm shutters or board up windows.
• Know your evacuation zone and plan to leave early if needed.
• Fill your car with gas and keep cash on hand.

What is Hurricane Insurance?

Hurricane insurance is not a separate policy but a combination of coverages, including homeowners, windstorm and flood insurance. These policies may help pay for damage caused by hurricane-related wind, rain or storm surges.

Standard homeowners policies often cover wind damage but exclude flood damage. Some policies may also have a separate hurricane or wind deductible. Flood damage from rising water or storm surge requires a separate flood policy, typically through the National Flood Insurance Program (NFIP).

Windstorm insurance is a separate policy or rider that may help cover damage caused by high winds, such as roof loss, broken windows or structural damage. In coastal Corpus Christi, TX counties, this coverage may be required and is often available through the Texas Windstorm Insurance Association (TWIA).

All American Hallmark Insurance LLC can help you get appropriate hurricane insurance. Contact us today.

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.