About Simple Windstorm

Simple Windstorm is a small reference site about windstorm insurance in Texas and the wind-resistant construction terms that come with it. It exists because the subject is full of jargon — percentage deductibles, residual markets, continuous load paths, FORTIFIED designations — and most explanations assume you already know half of it.

The site is written for Texas homeowners, buyers, and renters who want to understand what the documents in front of them mean: what a windstorm policy covers, what TWIA is, how a 2% deductible turns into a dollar figure, and what an inspector means by a wind retrofit.

Every page is reviewed reference material, not professional advice. We define terms, describe how processes and institutions work, and point to official sources — the National Weather Service, FEMA, Ready.gov, the American Red Cross, IBHS, and the Insurance Information Institute — for the underlying material. We do not sell insurance, quote prices, or recommend what coverage you should buy. For decisions about your own property or policy, consult a licensed insurance agent, and rely on the Texas Department of Insurance and TWIA for the current official rules.