Surviving the Texas Three Policy Problem

Along the Texas Gulf Coast, having homeowners insurance does not always mean your home is fully protected.In this episode of the Lone Star Living Podcast, we unpack the “Texas Three-Policy Problem” through a surprisingly relatable medical analogy. Your homeowners policy acts like a general practitioner, windstorm coverage serves as the orthopedic specialist, and flood insurance becomes the tropical-medicine expert. Each treats a different type of damage, but after a hurricane, they may disagree about which policy is responsible.We explore:• The difference between homeowners, windstorm, and flood coverage• How percentage-based deductibles can create major out-of-pocket expenses• Why an older roof may be settled at depreciated value• What happens when wind and flood damage overlap• Potential gaps involving temporary housing, water backup, and current building codes• How documentation, policy reviews, and the right endorsements may help the three policies work togetherMost importantly, you’ll learn why every coastal homeowner must become the “chief case manager” of their insurance plan, before the storm arrives.This episode is for educational purposes only and is not insurance, legal, or financial advice. Policies, exclusions, endorsements, limits, and eligibility vary. Review your actual documents with a licensed insurance professional.Created by Adriana Perez, REALTOR®, Texas real estate sales agent, License No. 829146, sponsored by Surge Realty. 409.927.0881This podcast is for general educational and informational purposes only and is not legal, tax, financial, lending, insurance, inspection, engineering, investment, or other professional advice. Real estate laws, market conditions, programs, rates, property information, and eligibility requirements may change and vary by person, property, and location.Listeners should independently verify all information and consult the appropriate licensed professionals before making real estate or financial decisions. Listening to this podcast does not create a broker-client, agent-client, fiduciary, or other professional relationship.Some voices or conversational elements may be AI-generated from content researched and curated by Adriana Perez. Equal Housing Opportunity.