Can a single bad hurricane season void my wind and hail insurance coverage?
Answered by Allen Markel, REALTOR®, Texas Premier Realty ·
Short answer
No. A bad hurricane season does not void your wind and hail coverage. Your policy stays in effect through its term unless your insurer chooses not to renew it at expiration. If your insurer stops renewing or exits your area, you may qualify for the Texas FAIR Plan, which offers limited coverage. Check your policy terms and talk to your agent about renewal options.
What happens to your wind and hail coverage after a hurricane
A single hurricane season does not automatically cancel or void your wind and hail insurance. Your policy remains in effect through its term unless your insurer takes action to non-renew it. However, after a major storm season, insurers often review claims and may decide not to renew policies when they come up for renewal. This is different from voiding coverage, it means the insurer chooses not to continue the policy when the term ends.
If your insurer decides not to renew, you will receive notice before your policy expires. You then have time to shop for coverage elsewhere. The key is to act quickly, because other insurers may also be tightening their underwriting after a bad season.
What to do if you lose coverage
If you cannot find an insurer willing to cover your home through the regular market, Texas offers the Texas FAIR Plan. The FAIR Plan provides limited coverage for one- and two-unit homes, townhouses and condominiums to those who have been turned down by at least two insurance companies and have not received an offer for the same level of coverage from any insurer.
FAIR Plan coverage is narrower than standard homeowners policies, so it is a backstop, not a full replacement. You must meet the eligibility requirements and apply through the FAIR Plan directly. The Texas Department of Insurance website has information on how to apply and what the plan covers.
Steps to protect your coverage
The way to keep your coverage in place is to maintain your home and reduce risk. Keep your roof in good condition, clear gutters and drains, and address maintenance issues promptly. Insurers are more likely to renew policies on well-maintained homes.
Also, do not wait until renewal time to shop. If you sense your insurer may not renew after a major claim, start looking for alternatives early. Having a relationship with an insurance agent who knows your property and can advocate for you makes a difference. If you have questions about your specific policy or renewal prospects, talk to us to find the right option for your circumstances.
Common follow-up questions
Can an insurer cancel my wind and hail policy mid-term because of a hurricane?
Insurers generally cannot cancel a policy in the middle of its term for claims alone. However, they can choose not to renew when the policy term ends. You will receive notice before expiration so you can find another insurer.
What is the Texas FAIR Plan?
The FAIR Plan is a state program that provides limited homeowners insurance to people who have been denied coverage by at least two regular insurers. It is a backstop option, not full coverage, and has higher deductibles and lower limits than standard policies.
How long do I have to find new coverage if my insurer does not renew?
Your insurer must give you notice before your policy expires. The notice period varies by insurer. Start looking for alternatives as soon as you receive notice of non-renewal.
Does maintenance help keep my coverage?
Yes. Insurers are more likely to renew policies on homes that are well-maintained. Keeping your roof in good condition, clearing gutters and drains, and fixing maintenance issues promptly reduce your risk and make you a better candidate for renewal.
Sources
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