Texas homeowners insurance is unique — from windstorm exclusions to flood insurance requirements, the coverage landscape is more complex here than in most states. This guide explains what you need to know.
Standard Texas Homeowners Policy (HO-3)
Most Texas homes are insured under an HO-3 (Special Form) policy that covers the structure on an open-perils basis and personal property on a named-perils basis. Understanding what 'open perils' means — and what exclusions apply — is critical to knowing your coverage.
Windstorm and Hail Coverage in Texas
Standard homeowners policies in Texas coastal areas often exclude windstorm damage, requiring separate coverage through the Texas FAIR Plan or Texas Windstorm Insurance Association (TWIA). Inland homeowners typically have windstorm coverage included.
When Your Claim Is Disputed
CDF Law represents Houston homeowners in all types of property insurance disputes. Call (832) 945-1900 for a free policy review.