Questions to Ask Your Realtor BEFORE You Buyĭon't Be Caught Without Windstorm Insurance Call the builders engineer and ask.īefore you buy do your required due diligence and see if the property is insurable and at what price. If your immediate neighbors have one so should you. Sometimes addresses get lost or entered as a typo so call TDI and ask. 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. No WPI-8? This should have been found out before you bought and closed in the tranaction process. Of Insurance Windstorm Division for more information at 1-80 and the Texas Windstorm Insurance Association at (512) 899-4900. The windstorm certification process starts before the foundation is poured and onward through construction.Ĭontact the Texas Dept. The windstorm construction program started in the mid-1980's in Texas through the Texas Dept. These 14 coastal counties are designated as a high wind catastrophie area. 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. Most insurance carriers have dropped windstorm insurance coverage after 2005. Before you buy check to see how you will insure the property and how much it will cost. Homeowners insurance does not cover wind related damages. Windstorm Insurance - Check Before You Buy Before You Sign a Real Estate Sales Contract Along the Gulf Coast Find Out if Windstorm & Flood Insurance is Available Before You Buy!
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