Windstorm will not cover our tree on our house, nor our fence, nor my shed's roof. I'm thinking that we'll just cancel it next year, as it is a losing proposition, and they are looking at doubling or tripling rates in Galveston County. I won't be able to afford the horrendous insurance here much longer. If my home is destroyed by a windstorm, I'll just declare bankruptcy and be done with it. They only had 2.2 billion in the pool, they are already wiped out. Not worth it anymore, since they can't cover their own butts, let alone ours.