Texas · Prep lowers the chance. It does not rewrite the exclusion.
Boarding the windows does not add flood, and it does not shrink the hail deductible.
Hail, wind, a tropical system, a freeze, and a flash flood are different perils. Maintenance and photos make a covered claim easier to prove. They do not turn an exclusion into coverage, and they are not a percent off. This is educational, not a contractor’s scope.
Flood is outside water. The homeowners policy excludes it. TDI notes that in Harvey, more than half of the flooded homes were outside high-risk zones. Buy flood separately if you need it: flood insurance in Texas. On the coast, a windstorm certificate such as a WPI-8 can matter to the wind policy. It is not flood coverage, and it is not a fixed percent off: WPI-8 and TWIA. A freeze that bursts a pipe can be a sudden-discharge claim for the resulting damage. The worn-out part itself often is not paid, and a slow leak usually is not either. Winter on the house: a North Texas winter.
When the seasons actually run: hail season and hurricane season. What the form is doing underneath the weather: homeowners coverage and what the policy does not replace.
