My home was damaged by the storm surge from Hurricane Ike. Will my Texas Windstorm Insurance Association (TWIA) dwelling policy provide coverage for damage caused by storm surge or flood?
A. The TWIA dwelling policy specifically excludes coverage for losses that result from flood. The flood exclusion in the policy specifies that the insurance company will not pay for losses caused by or resulting from flood, surface water, waves, storm surge, tidal water or tidal waves, overflow of streams or other bodies of water or spray from any of these, all whether driven by wind or not. If you purchased a policy that provides coverage for damage caused by flood or rising water the policy should cover the damage to your home that was caused by storm surge. This type of coverage is typically purchased under a flood insurance policy through the National Flood Insurance Program (NFIP). The NFIP policy refers to a flood (in part) as a general and temporary condition of partial or complete inundation of normally dry land from overflow of inland or tidal waters and/or unusual and rapid accumulation or runoff of surface waters from any source.
Related Questions
- My home was damaged by the storm surge from Hurricane Ike. Will my Texas Windstorm Insurance Association (TWIA) dwelling policy provide coverage for damage caused by storm surge or flood?
- My home was damaged by the hurricane, and I dont have insurance. Do I qualify for any special tax relief?
- What kind of damage will the storm surge of Hurricane Ike cause?
