What you MUST KNOW about Texas Windstorm Rules & Your Home!

Homeowners and home buyers need to be aware of certain rules that apply to homes insured with Texas Windstorm Insurance, which if you live in South Texas (and particularly Nueces County) are very important!  Since the late 1980’s certain rules were made that apply to homes to keep them in compliance with Texas Windstorm Insurance.  The fact is, that back in the ’80’s these rules were for the most part not enforced and as far as I know there were no penalties applied for non-compliance.  As a result they were often ignored by many home builders.  It is commonly known that in South Texas if you replace your roof you must get a “windstorm certificate” on the new roof.  Reputable roofers are aware of this and it is normally included in the cost of the roof.

What catches homeowners unaware at times is that if a homeowner replaces a WINDOW, an outside DOOR, or even SIDING, they must get an engineer who is on the Texas Windstorm Insurance Department list of approved engineers to certify that the replaced item is in compliance with current windstorm insurance requirements.

If your insurance company discovers that your property is not in compliance…problems can follow. What often happens is that the lack of windstorm certification is discovered when the homeowner is in the process of selling the home.  Windstorm insurance certification or the lack thereof is discovered when the prospective buyer attempts to get a new insurance policy on the home and the new insurance company starts to do a little investigative work.

A home without the proper certifications can be penalized with higher insurance premiums than a similar home with certification.  This can derail a real estate sale before it gets to the closing table.

Check with your home insurance carrier about windstorm certification before you replace doors, windows, siding or your current roof.

Homes located in areas where high winds (i.e. Hurricanes!) are a risk need to be covered by windstorm insurance.  Your home insurance agent can assist with more information or you can visit http://www.tdi.texas.gov.

 

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