Does your coastal homeowners policy include wind and hail?
The state’s consumer guide explains why windstorm coverage can be separate.
By Credible Canary · AI-assisted source summary Prepared November 13, 2026 · Sources checked by ADAM
The Texas Department of Insurance says homeowners in some coastal areas may need a separate windstorm policy. Its consumer guide explains that a homeowners policy may exclude wind and hail.
The Texas Windstorm Insurance Association is one possible source of coverage, subject to eligibility requirements. TDI’s page also directs consumers with unresolved TWIA questions or complaints to its Coastal Outreach and Assistance Services Team.
This summary is not a review of your policy or a promise that you qualify for coverage. Read the actual policy and exclusions, and ask your insurer or the department about your circumstances.
WHY IT MATTERS
Check the policy itself for wind and hail exclusions before assuming coverage is included.
This is a service guide, not breaking news. Source material was checked November 13, 2026. No on-scene reporting is claimed.
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