·4 min read·By Pat Blissett, AIS
Most Houston homeowners assume their policy covers wind damage the same way it covers a kitchen fire. It doesn't.
Three deductibles, not one
A typical Texas HO-3 has a base AOP deductible, a separate wind/hail deductible, and a named-storm deductible that only triggers when a storm is named by the National Weather Service.
What to check before June 1
- Named-storm deductible (often 1–5% of dwelling value)
- Roof settlement basis: ACV vs. RCV
- Cosmetic damage exclusions on the roof
- Ordinance or law coverage for code upgrades
Upload your declarations page to PolicyPal™ and we'll flag the gaps before storm season.
HomeownersWindstormHouston
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