The windstorm insurance problem

Nueces County is a designated catastrophe area for windstorm purposes, and many coastal owners get wind and hail coverage through the Texas Windstorm Insurance Association rather than a standard carrier. For construction, alterations, and repairs, TWIA generally requires evidence of compliance with windstorm building code through an inspection and a certificate.

That requirement is where coastal sales break down. A roof replaced after a storm without a windstorm inspection can leave the house ineligible for coverage. No coverage means no mortgage, and the property becomes a cash-only sale regardless of its condition or price. We buy in exactly that situation.

Storm history along this stretch of coast

Harvey came ashore near Rockport in 2017 as a major hurricane, and the wind damage extended across Nueces and Aransas counties, including Port Aransas. Hanna followed in 2020, and hail and wind events occur without named storms. Corpus Christi also floods, both from surge and from heavy rainfall on flat terrain with limited drainage.

The result is housing stock carrying a mix of finished, partly finished, and never-started repairs, sometimes several storms deep, and insurance claim histories that make a conventional sale difficult.

The local housing stock

Corpus Christi has substantial mid-century housing, plus older neighborhoods near downtown and on the west side, refinery-adjacent areas, and beach and island property on Padre Island and in Port Aransas. Robstown and Bishop are smaller towns with older, more modest housing.

Coastal exposure affects all of it: salt air on roofs, siding, and mechanical equipment, elevation and flood zone questions on the island, and short-term rental ownership in Port Aransas that is often held from out of town.

Nueces County property we buy

  • Houses with wind or hail damage, repaired or not
  • Homes where repairs were completed without a windstorm inspection certificate
  • Property that flooded from surge or heavy rainfall
  • Mid-century Corpus Christi houses with original systems
  • Beach houses, condos, and short-term rentals in Port Aransas and on Padre Island
  • Rentals with tenants in place, including refinery-area housing
  • Older houses in Robstown and Bishop
  • Inherited coastal property owned by heirs living inland

Records and closing in Nueces County

Corpus Christi is the county seat. The Nueces County Appraisal District sets appraised values, the county tax assessor-collector bills them, and deeds and liens are recorded with the Nueces County Clerk.

A title company closes the sale. For coastal property, expect the insurance and windstorm certificate questions to come up early, and tell us what work has been done and whether it was inspected.

Frequently asked questions

My roof was replaced without a windstorm inspection. Can I still sell?

Yes. That is one of the most common coastal situations, and it is a large part of why these houses become cash sales. Tell us what work was done and when.

Do you buy houses damaged by Harvey or Hanna?

Yes, at any stage of repair, including properties with more than one storm in their claim history.

Will you buy a beach house or condo in Port Aransas?

Yes, including short-term rentals and units in buildings with assessments.

Do you buy houses that flooded in Corpus Christi?

Yes. Share what flooded, what was repaired, and any claim history.

I live inland and inherited a coastal house. Can I sell remotely?

Yes. Signing is arranged where you live and proceeds are wired.

Nueces County property and court resources