Living in the Rio Grande Valley means enjoying sunshine most of the year — but it also means preparing for hurricane season. From June through November, severe storms and unpredictable weather patterns can cause major damage to homes and property. That’s why reviewing your home insurance coverage before a storm is on the radar is one of the smartest things a homeowner can do.
Here are four key things to know before the next storm rolls in:
1. What Does Your Current Home Policy Cover?
Before hurricane season ramps up, take time to review your policy details. Does it include wind or hail damage? What about detached structures like garages or fences? Don’t assume you’re covered — know for sure. A quick policy check with a Payne Insurance Group agent can save you time and stress later.
2. Your Standard Policy Might Not Cover Flood Damage
Many homeowners assume flood damage is part of their regular home insurance policy — but in most cases, it’s not. Flood insurance is a separate policy, and it often has a waiting period before coverage begins. If your home is in a high-risk zone or near a body of water, don’t wait to ask about flood protection.
3. Understand Your Deductibles
Some insurance policies include a separate deductible for wind and hail damage. Make sure you know how much you’ll be expected to pay out-of-pocket in the event of a hurricane-related claim.
4. Document Your Property Now — Before a Storm Hits
Taking photos or videos of your home and belongings can speed up the claims process after a storm. Store this information digitally and keep your policy number and Payne agent’s contact info handy.
Need help reviewing your coverage?
At Payne Insurance Group, we offer free home insurance quotes and personalized help from local agents who understand South Texas weather. Whether you’re buying a new policy or updating your current one, we’re here to help you stay protected.
📲 Visit us online at https://payneinsgroup.com or stop by your nearest Payne Auto Group dealership to speak with an insurance agent today
