Hayslip Insurance Group Texas independent insurance agency logo
Get a Quote

Windstorm Insurance in Katy, TX

Windstorm insurance covers damage caused by wind and hail events, including hurricanes, tornadoes, and severe thunderstorms. Protect your home, roof, and property.

Windstorm Insurance for Homes in Katy, TX

Windstorm insurance is a specialized property insurance policy that covers damage caused by wind and hail events, including hurricanes, tornadoes, and severe thunderstorms. In Texas, standard homeowners insurance policies may exclude or limit windstorm coverage in certain areas, making a separate windstorm policy essential for protecting your home, roof, and personal property.

Texas experiences more wind-related property damage than nearly any other state. From Gulf Coast hurricanes to the severe hailstorms that sweep through Fort Bend County each spring, wind and hail account for the majority of homeowners insurance claims filed statewide. Understanding your windstorm coverage — and any gaps — is critical to protecting your home.

Hayslip Insurance Group helps homeowners in Fulshear, Katy, and surrounding communities review their wind and hail coverage and secure the right protection.

Get a Windstorm Quote
Windstorm Insurance from Hayslip Insurance Group

COVERAGE TYPES

What Does Windstorm Insurance in Katy, TX Cover?

Windstorm coverage protects your home and property from damage caused by wind-driven events.

Roof & Structural Damage

Repair or replacement of your roof, rafters, decking, and structural framing damaged by high winds, hurricanes, or tornadoes.

Hail Damage

Damage to your roof, siding, gutters, windows, and outdoor structures caused by hailstones during severe storms.

Exterior Elements

Siding, windows, storm doors, garage doors, and fencing damaged by wind-driven debris during severe weather events.

Debris Removal

Cost of removing fallen trees, branches, and wind-blown debris from your property after a covered storm.

Additional Living Expenses

Temporary housing, meals, and living costs if wind damage makes your home uninhabitable during repairs.

Personal Property

Belongings damaged by wind or hail that penetrates your home's exterior — furniture, electronics, and clothing.

Do Katy Homeowners Need Windstorm Insurance?

In Texas, how you get windstorm coverage depends on where you live. The Texas Windstorm Insurance Association (TWIA) provides coverage in 14 coastal counties where private coverage may be unavailable. For inland homeowners in areas like Fulshear, Katy, Richmond, and Sugar Land, wind and hail coverage is typically included in your standard homeowners policy — but with separate deductibles.

Many policies apply wind and hail deductibles of 1% to 5% of your dwelling coverage, which can mean thousands of dollars out of pocket after a storm. You should consider enhanced windstorm coverage if:

  • Your homeowners policy excludes wind and hail — some carriers remove this coverage in high-risk areas
  • Your wind/hail deductible is too high — a separate policy may offer lower deductible options
  • You own an older home with an aging roof — carriers may restrict wind coverage on older roofs
  • You recently replaced your roof — windstorm coverage protects that investment
  • You own coastal property — you may need a TWIA or private wind-only policy

COMMON QUESTIONS

Windstorm Insurance FAQs for Katy, TX Property Owners

Answers to common questions about windstorm coverage in Texas.

Windstorm insurance covers damage to your home’s structure, roof, siding, windows, and attached structures caused by wind and hail. Most policies also cover debris removal and additional living expenses. Personal property damaged by wind-driven rain entering through a breach may also be covered.
Windstorm insurance is not required by state law, but your mortgage lender will require adequate wind and hail coverage. In coastal counties where standard policies exclude wind damage, a separate windstorm policy is needed to satisfy lender requirements and protect your investment.
Costs vary based on location, home value, roof age, and deductible. Inland homeowners with wind included in their homeowners policy may pay $1,200 to $3,500 per year total. Coastal TWIA policies can range from $2,000 to over $5,000 annually. We help you find competitive rates.
Homeowners insurance covers your home for multiple perils including fire, theft, and some weather events. Windstorm insurance specifically covers damage from wind and hail only. In many inland Texas areas, wind coverage is included in your homeowners policy. In coastal counties, it is typically excluded and must be purchased separately.
TWIA covers properties in 14 Texas coastal counties including Galveston, Brazoria, and Matagorda, plus parts of Harris County. Inland counties like Fort Bend and Waller are not TWIA territory — your wind coverage comes through your standard homeowners policy. Contact us to verify your specific coverage situation.

GET STARTED

Review Your Windstorm Insurance Coverage in Katy, TX

Make sure your home is protected before the next storm season. We review your wind and hail coverage and find the right solution.

Get a Free Quote
(713) 848-7679