Standard homeowners insurance in San Antonio typically covers wind and hail damage. You do not need a separate windstorm policy like coastal areas require. However, check your wind/hail deductible, which is often calculated as a percentage of your home's insured value (1-2%) rather than a flat dollar amount.
Standard Coverage for Wind and Hail
In San Antonio, standard HO-3 homeowners policies include wind and hail coverage. Unlike coastal Texas counties, Bexar County does not require a separate windstorm policy through the Texas Windstorm Insurance Association. Always confirm with your agent that wind and hail are included in your specific policy.
Understanding the Wind/Hail Deductible
Many Texas policies have a separate deductible for wind and hail claims, calculated as a percentage of your dwelling coverage (typically 1% or 2%). On a $350,000 home, a 2% deductible is $7,000. Know your deductible before storm season so there are no surprises.
Filing a Wind or Hail Claim
Document damage with photos before making temporary repairs. Contact your insurer promptly, as most policies have time limits for filing claims. Get multiple contractor estimates. Be prepared for the insurance adjuster to inspect the damage before repairs begin.
Preparing for Storm Damage
San Antonio hail storms are common in spring. Consider impact-resistant roofing materials when replacing your roof. Trim trees near your home. Keep a list of reputable contractors handy. Review your policy annually to make sure your coverage keeps up with rising construction costs.