Momentum - Business to Business Online Magazine MOMENTUM April 2018 | Page 24

10% Off New Window Treatment Projects, Minimum Project Size of $1,000 OR 25% Off All About Interiors We carry a complete line of window treatments, shutters, shades, drapes, valances and blinds. In addition, we also offer interior design services. Any Upgraded Lifting System 281-538-6202 allaboutinteriors-tx.com TWIA is a Last Resort Option  By: Jan Laman Harbour Insurance Services, Inc. [email protected] I have found that a lot of people in the Galveston County area, individuals and businesses think that TWIA is their only option for Windstorm Insurance. This is simply not true anymore. some cases it is necessary to split policies. In this case we can now offer Windstorm coverage from a private carrier that will offer lower premiums than TWIA. The Texas Department of Insurance has admitted private carriers to offer Windstorm, Hurricane & Hail policies to residential and business customers in our area. Independent Agents now have private carriers that offer the separate Windstorm policy at a lower premium than TWIA and in some cases we can offer Business Owners Policies with Windstorm included. Residential Home, Townhome & Condo Owners Independent Insurance Agencies now have several homeowners carriers to offer that INCLUDE Windstorm, Hurricane & Hail coverage on their policy. No TWIA or any separate policy needed. And, these companies are offering very competitive pricing that will, in most cases be lower than the premiums on split policies and offer more comprehensive coverage and lower deductibles. In 23 MOMENTUM / April 2018 Business Owners The market is changing in our area now. We have more choices than ever before. Go out there and shop. Ask about options. Don’t just assume that TWIA is your only option. TWIA is, and has always been a last resort option and now there are more options than ever.