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Weston Insurance

If your home or business is located in the states of Florida, Texas, Alabama, Mississippi and South Carolina, Weston Insurance offers coverage in those areas. As for the leadership of the organization, collectively, the executive team has nearly 100 years of experience providing cost-effective and consistent windstorm insurance protection in their markets. In addition, the company is diligent in providing prompt response to claims and wants to help policyholders recover from their loss as fast as possible.

 

Natural disasters can strike at any moment and leave a path of devastating destruction including financially. Fortunately, homeowners and business owners are able to take preventative measures to protect their properties before it’s too late. Based in Coral Gables, Florida, Weston Insurance specializes in windstorm insurance and provides insurance coverage for losses as a result of hurricanes, tornadoes, and severe convective windstorms as well as hail storms.

 

As for financial stability and ratings, this company boasts an exceptional A rating from Demotech Inc. and a B rating from A.M. Best, both of which are acceptable to the secondary mortgage market. Weston Insurance can provide customers with plenty of services while maintaining stability. This fact alone makes this company a great choice.

 

Insurance Offered State By State By Weston

Weston Insurance offers an array of insurance products which vary by state. This company is headquartered in Florida. So first, let’s discuss what they can offer you in the Sunshine State. Also listed below are products offered in other states as well.

 

Florida

Commercial residential insurance is available to those entities that are most vulnerable to risk including condominium associations, homeowners associations and apartment complexes located in the Florida wind pool eligibility zone. Products for this area include insurance coverage for windstorm and hail, and there are O&L sublimits available. As for commercial non-residential insurance, there are a few business entities who are more vulnerable to risk including office towers, hotels, retail, and storage, among others. Windstorm and hail coverage are available for those policyholders within 10 miles of the Florida coast. When it comes to personal residential, homeowners, dwellings, renters and condo unit owners in the wind pool eligibility zone are among those that face the most risk. Products include windstorm and hail coverage, coverages A-D and O&L, which includes statutory limits.

 

Texas

When it comes to commercial insurance coverage in Texas, windstorm and hail coverage may include those that are prone to greater risk including condominium associations, homeowners associations, apartment complexes, office towers, schools and universities and more. All of the eligible territories should include all TWIA eligible coastal counties and the majority of Harris County, which also includes Houston. As for personal residential insurance, homeowners, condo unit owners, dwellings and renters in all TWIA eligible coastal counties and the majority of Harris Counting including Houston may also be covered for hail and windstorm damage. There are no maximum limits.

 

Alabama

Both commercial and personal residential insurance is available for both windstorm and hail in the eligible territories of Baldwin and Mobile Counties. As for commercial, the businesses most vulnerable to the risk include condominium associations, homeowners associations, apartment complexes, office towers, hotels/motels, timeshare complexes, retail and storage, municipal buildings, schools and universities as well as churches, temples, and synagogues. Insurance for builders risks such as construction and renovation is also available. Personal residential insurance is available for homeowners, dwellings, renters and condo unit owners.

 

Mississippi

As of May 2019, the company’s filings are in process for Mississippi. However, future plans, which are subject to approval by the Mississippi Department of Insurance, will include commercial and personal residential insurance for windstorm and hail in the eligible territories of The Lower Six counties: George, Hancock, Harrison, Jackson, Pearl River, and Stone. Commercial entities most vulnerable to risk are similar to the other states and include condo associations, homeowners associations, office towers, municipal buildings and more. As for personal residential, homeowners, dwellings, renters and condo unit owners are the ones that have been identified for risks.

 

South Carolina

As of May 2019, the company’s filings are in process for South Carolina. However the future plans, contingent upon approval by the South Carolina Department of Insurance, will include commercial and personal residential insurance for loss related to windstorm and hail for policyholders in the eligible territories of Zone 1 and Zone 2. Similar to the other states, the businesses that have the most risk include condominium associations, homeowners associations, apartment complexes, office towers, and hotels, among others. And for personal residential insurance, homeowners, dwellings, renters and condo unit owners face the most risks.

 

Common Questions

For many people, what they want to know most is “What exactly does wind storm insurance include n the first place?” Well, it is an insurance that covers the loss as the result of windstorm and may include tropical cyclones (hurricanes and tropical storms,) tornadoes and severe convective storms, as well as hail.

 

People also want to know “Does coverage meet the security requirements of the secondary mortgage market?” The answer is yes, the company’s financial ratings are in line with the underwriting requirements of both Fannie Mae and Freddie Mac. However, it is important for the policyholder to do their due diligence and work with their insurance agent to find out the right coverage for them.

 

One common question that people have is “Is windstorm or hail coverage necessary if I do not have a mortgage for my property?” The company recommends that people discuss risk tolerance with their insurance agent because they can still experience a catastrophic impact from property losses caused by a windstorm.

 

Another thing that people ask about is “Can I change the deductibles, insured values or coverage on my insurance policy if there is an active hurricane or tropical storm. The company’s response is “No. Any endorsements that change any of the coverage or the deductibles or the insured values cannot be made effective while there is a named storm in the Gulf of Mexico, Caribbean Sea or Atlantic Ocean west of 35 degrees longitude.

 

Windstorm and hail can wreak havoc in people’s lives, that’s why it is so important to secure coverage for any devastating loss before a natural disaster happens. For interested parties who want to buy Weston Insurance products, they can find them through a network of licensed, appointed independent insurance agents.

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