Insurance that speaks bayou, beltway, and blackoutSoma Insurance
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Recent Houston Business Incidents
Real incidents from 2024-2025 that cost Houston businesses millions.
Downtown glass rain after night-time derecho slams core
Right after the Thursday commute on May 16, a wall of wind barreled in from Katy, tore down the West Loop, and punched into the skyline. Windows blew out across a swath of towers from Louisiana to Smith and along Texas, Capitol, and Rusk...
Training storms flood the north side and strand feeders
From late April into early June, storm after storm set up over the north and northeast side—Kingwood, Humble, Spring, Cypress—and every bayou ran fast. Feeder roads along 59 and Beltway 8 turned into parking lots...
Downtown glass rain after night-time derecho slams core
Right after the Thursday commute on May 16, a wall of wind barreled in from Katy, tore down the West Loop, and punched into the skyline. Windows blew out across a swath of towers from Louisiana to Smith and along Texas, Capitol, and Rusk...
Training storms flood the north side and strand feeders
From late April into early June, storm after storm set up over the north and northeast side—Kingwood, Humble, Spring, Cypress—and every bayou ran fast. Feeder roads along 59 and Beltway 8 turned into parking lots...
Don't Learn These Lessons the Hard Way
Get coverage that actually covers Houston's real risks.
Houston's Year-Round Risks
What your business faces each season and the coverage that actually protects you.
Spring: Storm Season
March - May
Late-afternoon pop-ups and hail from Waller to Humble. We watch radar like a sport and move trucks off the feeders. Lesson learned: keep tarps, squeegees, and wet-vacs ready; hail claims mean higher deductibles and longer roof lead times.
Must Have:
Property coverage with storm damage protection
Must Have:
Equipment breakdown + business interruption
Summer: Heat + Storms
June - August
Heat waves plus named storms. Freezer alarms and generator contracts matter more than fancy menus. We top off fuel before the cone points anywhere near Matagorda and we call our crews with a power-out plan—cash sales, manual tickets, and ice.
Fall: Severe Weather
September - November
Peak surge on the Gulf lingers into October. Afternoon squalls still pop, but it’s mostly about watching the tropics and tying down patio furniture. Contractors hustle to finish roofs before the next system, and we remind staff about carbon-monoxide safety with generators.
Must Have:
Comprehensive property + business interruption
Must Have:
Property coverage including freeze damage
Winter: Cold Weather
December - February
Not Minnesota, but the thaw is the killer. We drip faucets, wrap backflow preventers, and prop ceiling tiles to find slow leaks early. Sprinkler heads over server closets get extra insulation. We keep claim photos and a plumber’s number taped inside the panel box.
Houston Industries We Cover
Specialized coverage for the businesses that power Houston.
Energy & Petrochemical (Ship Channel to Energy Corridor)
Deals get inked on Eldridge; products ship past La Porte. Plants run 24/7 with contractors cycling for turnarounds, and the surrounding neighborhoods run on those schedules. A flare you can see from 225 is normal; a compressor trip isn’t. Vendors live by TWIC cards, PPE, and gate times.
Texas Medical Center & Life Sciences
Helix Park labs and long-standing institutions mean clean rooms, sensitive equipment, and constant deliveries through tight docks. Clinics out on Kirby and Old Spanish Trail run on power and chilled water certainty; downtime is measured in canceled procedures, not minutes.
Logistics, Warehousing & Port Services
From Barbours Cut to a tilt-wall off 99, the workday is container clocks, yard space, and guessing which interchange is jammed. A fog delay or a bridge hiccup ripples through the whole week.
Restaurants, Bars & Food Trucks
From Montrose to Chinatown and the Heights, kitchens run on cold boxes, clean water, and weekend foot traffic. A boil notice or a two-day outage can wipe a week’s margin. Smash-and-grab crews know which doors are still single-pane.
Construction Trades & GC/Subs
Cranes along 59 and 288 tell the story—tight bids, tighter schedules. Afternoon storms make mud of the site in ten minutes, and copper loves to walk if you don’t lock it up. Owners want certificates yesterday and contract language perfect.
Aerospace & Tech (Clear Lake, The Ion)
NASA’s backyard still spins off avionics shops and software teams, while Midtown’s Ion incubates the climate-tech crowd. It’s grant deadlines, prototypes in labs, and a lot of sensitive gear that hates heat and humidity.
Energy & Petrochemical (Ship Channel to Energy Corridor)
Deals get inked on Eldridge; products ship past La Porte. Plants run 24/7 with contractors cycling for turnarounds, and the surrounding neighborhoods run on those schedules. A flare you can see from 225 is normal; a compressor trip isn’t. Vendors live by TWIC cards, PPE, and gate times.
Texas Medical Center & Life Sciences
Helix Park labs and long-standing institutions mean clean rooms, sensitive equipment, and constant deliveries through tight docks. Clinics out on Kirby and Old Spanish Trail run on power and chilled water certainty; downtime is measured in canceled procedures, not minutes.
What Houston Businesses Must Know
Local Risk Insights
- •White Oak and Greens Bayou jump banks fast; shops along 43rd, Tidwell, and Aldine Mail Route know the drill even if they’re ‘outside FEMA lines...
- •Brays can back up into Med Center basements; parking decks flood from street runoff long before bayous crest...
- •Underpasses at 59/610 and 288/610 pond deeply; plan drayage around those choke points after gully-washers...
Business Operations
- •City floodplain rules use 500-year standards...
- •Restaurant break-ins cluster in waves; empty tills, reinforced glass, and quick-fix board-up vendors save headaches...
- •Cargo theft and pilferage spike at unsecured yards and truck stops; keep high-value loads moving and stage with cameras, fencing, and lighting...
Why Houston Businesses Trust Us
We're not just insurance agents – we're Houston business protection experts.
Local Houston Expertise
We know Houston's unique risks and business environment. Local knowledge that matters.
Rapid Response
Fast quotes, quick claims support. When Houston businesses need coverage, we're here.
Proven Protection
Coverage that actually pays claims. No hidden exclusions, just real protection.
Transparent Pricing
No hidden fees, no surprises. Clear pricing and honest guidance you can trust.
Always Responsive
Questions about coverage? Claims support? We're here when Houston businesses need us.
Satisfaction Guaranteed
Your success is our priority. We stand behind our coverage recommendations 100%.
Common Questions
After the May 2024 wind event, what actually paid out for downtown shops?
Physical damage (glass, water intrusion) triggered claims. Lost sales from blocked streets were hit or miss—civil authority helped a few, but waiting periods apply. Power-only shutdowns without damage needed a service-interruption endorsement to pay.
My café tossed everything after Beryl when the grid died. Is that covered?
Only if your policy includes utility-service or equipment breakdown with spoilage. Standard property forms don’t pay for citywide outages unless there’s covered damage at your place or a specific off-premises power trigger.
We’re near, but not in, a mapped flood zone. Do we really need flood insurance?
Ask anyone off White Oak or Greens: water ignores lines. Ground-up water is ‘flood’ to insurers; without a separate flood policy, you’re self-insuring the rebuild. We’ll price a realistic limit and waiting period.
Why are wind deductibles so high here?
Carriers use percentage deductibles for named storms and wind/hail because losses can be widespread. Two to five percent is common. We can explore deductible buy-downs or layered programs if the math works.
If the city puts us under a boil-water notice, can we claim lost revenue?
Sometimes. Additional expense for bottled water and temporary solutions can be covered; lost income usually needs a direct physical damage trigger unless your policy includes dependent property or specific civil-authority wording.
After the May 2024 wind event, what actually paid out for downtown shops?
Physical damage (glass, water intrusion) triggered claims. Lost sales from blocked streets were hit or miss—civil authority helped a few, but waiting periods apply. Power-only shutdowns without damage needed a service-interruption endorsement to pay.
My café tossed everything after Beryl when the grid died. Is that covered?
Only if your policy includes utility-service or equipment breakdown with spoilage. Standard property forms don’t pay for citywide outages unless there’s covered damage at your place or a specific off-premises power trigger.
We’re near, but not in, a mapped flood zone. Do we really need flood insurance?
Ask anyone off White Oak or Greens: water ignores lines. Ground-up water is ‘flood’ to insurers; without a separate flood policy, you’re self-insuring the rebuild. We’ll price a realistic limit and waiting period.
From blown glass on Texas Ave to boil-notice prep—we’ve lived itThat Actually Works
Policy wording tailored to wind, water, and feeder-road realityJoin thousands of Houston businesses already protected.
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