Texas · Weather and the claim
The warning tells you which policy is about to be tested
A weather app is not coverage. The National Weather Service warning is the official product, and the type of warning tells you which deductible you are about to use. A severe thunderstorm or hail warning points at the homeowners wind and hail deductible, and at comprehensive on the cars. A flash-flood warning points at a flood policy. Homeowners insurance does not pay that water.
Official alerts: weather.gov. The house: Texas homeowners and what it covers. The cars: Texas car insurance. Flood, separate: Texas flood.
After the warning expires
Photograph the roof, the fences, and the cars once it is safe. Hail on the roof and hail on the car are two claims. Floodwater in the house is not either of them. Local TV radar is useful for seeing the cell. It does not replace the warning, and a phone app’s push alert is not a claim. Who to call when there is damage: claim contacts. Do not let a policy lapse while you are waiting on a storm: lapses. Auto product page: Texas auto.
