As spring storms roll across Texas, many homeowners assume they are fully protected, until a claim reveals otherwise. April is one of the most active months for wind, hail, and water-related losses, making it critical to understand exactly how your policy responds.
Wind & Hail Damage
Most homeowners policies include wind coverage, but deductibles are often percentage-based. This means your out-of-pocket cost could be significantly higher than expected.
Water vs. Flood Damage
One of the most misunderstood areas of coverage is water damage.
• Sudden pipe bursts? Typically covered
• Rising water from heavy rain? Not covered without flood insurance
Understanding this distinction can prevent major financial surprises.
Roof Depreciation Clauses
Some policies now include roof depreciation schedules, meaning claims may not cover full replacement costs depending on the age of your roof.
Claims Timing Matters
Delaying a claim after storm damage can impact coverage. Immediate documentation and communication with your agent are key.
Caring Makes the Difference
At Parkway Insurance Group, we believe understanding your coverage before a claim happens is just as important as having the policy itself.
As we step into spring 2026, take a moment to review how your coverage responds in real-world scenarios.
Schedule Your Spring Coverage Review: Contact us at info@parkwayinsurancegroup.com or calling us at +1 281 558 1991.
