San Antonio, TX is mostly safe from certain things that go hand in hand with hurricanes, such as flooding. However, they do wind up with wind damage, which can destroy windows. Many people end up getting hurricane windows to reduce damage, but do you have to?
Who Handles The Policy?
In some condominiums, the HOA will handle the insurance policy. In this situation, it may be up to them whether you’re required to invest in hurricane windows. They may require this even if insurance companies like Ellis Insurance Agency don’t because they want to minimize damage. Always read your HOA paperwork and ask questions to make sure you understand the requirements.
Policy Requirements
Some policy providers require hurricane windows in areas at increased risk of wind damage. This area is prone to tornadoes and high winds from hurricanes. That means you may have to install hurricane windows as a condition of your policy. If you don’t, your claim will be denied. It’s important to read the fine print on your policy and speak with an agent at Ellis Insurance Agency to avoid future claim denials.
Double-Check Your Coverage
Texas doesn’t require condo owners to have a policy. The law also doesn’t mandate windstorm or wind damage coverage. Because of that, it may be excluded from your policy, which means you don’t have to worry about these requirements. On the other hand, this also means you might not have the coverage you need.
It’s important to speak with an agent here at Ellis Insurance Agency to ensure you have adequate coverage and understand the fine print. Contact us today. We’re currently serving the San Antonio, TX area.
