One thing about Texas homes that is different than many home across the country is that our homes are required to have "weep holes" in the buildings, which are purposely made holes across the surface of your brick home that helps compensate for expansion of the building materials during extreme heat, which helps prevent cracking of the bricks. It is the law that builders build these into our homes, it is not a choice here in Texas...and we are being punished for it.
Many of us here Texas have had our insurance adjusters come out to look at the damage brought on by hurricane IKE. Many of us have had "windblown rain damage", which is normally covered in home owner's policies. Except in Texas, there is a sub-clause (not printed in any of my documents or any of my friend's insurance documents) that states that any windblown rain damage must come from a "created hole" and can not from rain being forced sideways into your home through these weepholes. So, unless you have a hole in your roof (lifted shingles don't count), you're screwed if suffered any water damage in your home. Which is the case for 90% of my friends. So the $30,000 + damage a friend suffered to her home, not covered. Why do we pay for insurance that is not there for us when we need it? We've already been punished for living in this area after Katrina/Rita and saw our deductible have a mandatory raise if a cyclone (i.e. hurricane) struck, now we can't even get paid for the coverage that we do have.
Look at your homeowner's insurance policy, see what it covers, then call your insurance company and ask what that really means - you may be sadly disappointed.
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