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Off The Water
Watering Hole
Texas Windstorm insurance rant
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<blockquote data-quote="Popeye" data-source="post: 59338" data-attributes="member: 148"><p>Hmmm... After looking over all my insurance paper work and talking to several other people, it seems I have been UNDER insured as far as windstorm insurance goes. My regular house insurance has me down for $127K rebuild cost and my Windstorm was $79,200. Seems GEICO was using a different estimator than USAA and different than Texas Windstorm Insurance Association authorized. It seems that if in Texas your primary homeowners insurance doesn't underwrite windstorm and hail (basically hurricane insurance) then you MUST us the Texas Windstorm Insurance Association (TWIA)our insurance compny does a underwrite windstorm policy then you don't have to use TWIA. However, the companies that underwrite hurricane insurance (fewer and fewer each year) charge more than what I'm paying now. Doesn't make me any happier, but at least I don't think I'm getting screwed (anymore than the rest at least)</p></blockquote><p></p>
[QUOTE="Popeye, post: 59338, member: 148"] Hmmm... After looking over all my insurance paper work and talking to several other people, it seems I have been UNDER insured as far as windstorm insurance goes. My regular house insurance has me down for $127K rebuild cost and my Windstorm was $79,200. Seems GEICO was using a different estimator than USAA and different than Texas Windstorm Insurance Association authorized. It seems that if in Texas your primary homeowners insurance doesn't underwrite windstorm and hail (basically hurricane insurance) then you MUST us the Texas Windstorm Insurance Association (TWIA)our insurance compny does a underwrite windstorm policy then you don't have to use TWIA. However, the companies that underwrite hurricane insurance (fewer and fewer each year) charge more than what I'm paying now. Doesn't make me any happier, but at least I don't think I'm getting screwed (anymore than the rest at least) [/QUOTE]
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Texas Windstorm insurance rant
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