Texas Gulf Coast Storm Insurance Specialists

Flood, Wind & Hurricane Experts for the Texas Gulf CoastWe don’t “shop policies.” We identify coverage gaps before storms expose them Get Your Free Texas Coastal Risk Score™ Delivered Below

Texas-Born & Fully Regulated: Proudly licensed by the Texas Department of Insurance (#3441249). We serve only Texas residents — especially our Gulf Coast neighbors in Houston, Galveston, League City, and beyond. Overdelivery Risk Advisors LLC – your Coastal risk advisorsGulf Coast Families Protected: Real Texas neighbors — Houston homeowners, Galveston business owners, League City families, and coastal grandparents — who rest easier knowing their property and loved ones are covered when the next storm rolls in.Claims-Paying Strength You Can Trust: We partner with financially strong carriers (A- or better by AM Best where possible) that have a proven track record of paying Gulf Coast claims — even after major storms like Harvey and Ike.

Built for Texas Coastal Properties - Not Generic ZIP Codes

  • Experience with post-Harvey and post-Ike claim outcomes

  • Familiarity with TWIA, NFIP, private flood, and surplus lines

  • Coverage design specific to Galveston County and surrounding coastal zones

Why We Exist

Standard insurance agents sell policies that look fine on paper.
But Texas Gulf Coast storms don’t test paperwork — they expose exclusions, deductibles, and coverage limits.When hurricanes, storm surge, or extreme wind hit, coastal properties are impacted differently than inland homes. Flood sublimits, windstorm deductibles, ordinance & law gaps, and replacement cost errors are where claims quietly fall apart.Most homeowners don’t discover these gaps until after the damage is done — when the claim is reduced, delayed, or denied.That’s Where Overdelivery Risk Advisors Is DifferentOverdelivery Risk Advisors exists to prevent catastrophic underinsurance in Texas coastal zones.We are not a general insurance agency. We are Texas Gulf Coast storm risk specialists focused on identifying coverage weaknesses before hurricanes, flooding, or wind events expose them.Our role isn’t to sell the cheapest policy — it’s to design insurance strategies that actually respond when coastal storms strike homes in League City, Galveston, Kemah, San Leon, and surrounding Gulf Coast communities.How We Protect Coastal HomeownersIdentify hidden exclusions and deductible traps common in coastal policiesStress-test coverage against real Gulf Coast storm scenariosAlign flood, wind, and homeowners coverage so claims work togetherEnsure replacement cost and rebuilding assumptions reflect coastal realitiesIf your home sits anywhere near the Texas Gulf Coast, getting insurance wrong isn’t a minor mistake — it’s a financial risk that can follow you for decades.👉 Get Your Coastal Risk Score™ and find out where your current coverage may fail before the next storm tests it.

Standard Homeowners Policies Won't Cover the Next Hurricane. Here's What Will.

After Hurricane Harvey, thousands of Gulf Coast families discovered a painful truth: their "fully covered" homes weren't covered at all.
Storm surge? Excluded.
Flooding? Separate policy required.
Wind damage? Sky-high deductibles.
That's why Overdelivery Risk Advisors exists.
We're coastal property specialists who only recommend coverage that actually pays when disaster hits. As coastal risk advisors, unlike generic agents who sell policies, we engineer storm-ready coverage that actually pays when disaster hits.What we cover:Flood insurance (better than NFIP, often cheaper)
Windstorm with manageable deductibles
Storm surge gaps your current policy ignores
Coastal homes, condos, rentals & businessesLeague City to Galveston, we've got you covered before the next storm season.

  • Know exactly what you're covered for – Free risk assessment shows the gaps in your current policy (most people find 2-3 they didn't know about)

  • Pay less, get more coverage – Storm-specific coverage design unlike generic agents who sell policies, we engineer storm-ready coverage that actually pays when disaster hits. Find protection that actually fits your property and budget

  • One call handles everything – Flood, wind, auto, home, life. Bundle it all and save 20-30% versus separate policies

  • We answer when storms hit – 24/7 claims support when you need it most, not a 1-800 voicemail maze

Beyond Coastal Coverage: We Handle Everything

Yes, we're specialists in flood and hurricane protection. But we're also your complete insurance solution.
Why juggle three agents when one can handle it all? We bundle your coastal coverage with auto, life, health, and everything else—often saving 20-30% versus separate policies. One relationship. One renewal date. One call when you need help.
Think of us as your family's insurance department. We track your coverage, alert you to gaps, and adjust protection as your life changes. New car? Growing family? Starting a business? We've got it covered.
Best part? Everything's done remotely. No office visits, no waiting rooms—just fast quotes and real answers from someone who actually knows your name.

What We Cover (Pretty Much Everything)

  • Coastal Protection (Our Specialty) - Flood insurance that actually pays • Windstorm with reasonable deductibles • Hurricane coverage for the Gulf Coast's worst-case scenarios • Builders risk for new coastal construction

  • Home & Auto - Homeowners • Renters • Landlords • Auto • Motorcycle • RV • Boat • Jet Ski – Bundle and save 20-30%

  • Business & Commercial - General Liability • Property • Workers Comp • Commercial Auto • Cyber Insurance • Professional Liability • Business Owners Policy (BOP) • Contractors insurance

  • Specialty & High-Value - Umbrella & Excess Liability (up to $10M) • Jewelry & Fine Art (scheduled floaters) • Collector vehicles • Drones (personal & commercial) • Pet Insurance • Electronics & Device Protection

  • Life Insurance - Term • Whole Life • Universal Life – No-exam options up to $2M+ to protect your family's future

  • Health & Benefits - Individual plans • Group coverage • Medicare supplements • Disability • Accident protection

  • And More...

If it's a risk, we can probably insure it. Storm-specific coverage design unlike generic agents who sell policies, we engineer storm-ready coverage that actually pays when disaster hits.to find the right coverage at the best price.So you're protected without overpaying.

Pro Tip: Bundle coastal coverage with life or health to maximize discounts and protect your family comprehensively. Ask about our multi-policy savings!

Get Your Free Quote in Under an Hour

Tell us what you need to protect.
Unlike generic agents who sell policies, we engineer storm-ready coverage that actually pays when disaster hits.
We send you the best options—usually within 60 minutes.
No pushy sales calls. No obligation.
Just straight answers and real quotes you can actually use.
Takes 2 minutes to request.

Your information is secure and used only to provide quotes. See our Privacy Policy. Texas residents only. Quotes subject to carrier underwriting approval.

Why Clients Choose Us

  • We actually answer the phone - When a storm's coming or a claim happens, you'll reach a real person who knows your name—not a 1-800 voicemail maze.

  • We shop, you save - As coastal risk advisors, unlike generic agents who sell policies, we engineer storm-ready coverage that actually pays when disaster hits. We find better coverage for less money than captive agents stuck with one company.

  • Coastal specialists who know the risks - We've protected Gulf Coast properties. We know which policies actually pay for storm surge, flooding, and wind damage—and which don't.

  • Everything under one roof - Bundle flood, wind, auto, home, and life with one agent. One renewal date. One call. Save 20-30% versus juggling multiple companies.

Meet Mohammed Ali Adie

I started Overdelivery Risk Advisors after being in the insurance industry close to a decade and watching too many Gulf Coast families get blindsided by policies that didn't cover what they thought they did. Across all lines of insurance.After Hurricane Harvey, I saw neighbors lose everything because their "full coverage" homeowners policy excluded storm surge.I saw people paying premiums for years, only to find out their flood policy had a cap on a $400,000 home.That's not how insurance is built to work the insured.So I became independent.Which means I can say no to a client if the coverage is truly no in their best interest without scrutiny from a higher up.Now, work for YOU, not an insurance company. Storm-specific coverage design nlike generic agents who sell policies, we engineer storm-ready coverage that actually pays when disaster hits. Find coverage that actually protects your property and your family, at a price that makes sense.I personally am Texas licensed, as well as 20+ other states but am locally focused on my communities, and I actually answer my phone. Even on weekends. Even during storms.
Let's make sure you're covered the right way.—Mohammed Ali Adie, Principal Advisor

Who We Are NOT For

We are not the right agency if:- You want the cheapest policy without understanding the risk- You don’t own property near the Texas Gulf Coast- You’re fine finding out coverage gaps after a storm- We are the right choice if your home or business would be financially impacted by a denied claim.

© 2025 Overdelivery Risk Advisors
Overdelivery Risk Advisors — Texas Gulf Coast storm insurance specialists for those who cannot afford to get coverage wrong.Overdelivery Risk Advisors, LLC
Texas Department of Insurance License #3427856 | Independent Insurance Agency | Serving Texas residents only
Verify our license with TDI: https://www.tdi.texas.gov/agent/agent-lookup.htmlPhone: +1 (512) 566-4110
Email: [email protected]
Privacy Requests: [email protected]Office Address
5900 Balcones Drive STE 100
Austin, Texas 78731
United StatesPrivacy Policy | Terms of Service | Do Not Sell or Share My Info ([email protected])© 2025 Overdelivery Risk Advisors, LLC. All rights reserved.
Insurance quotes are not a guarantee of coverage. All applications are subject to underwriting approval by the insurance carrier.
File a complaint with Texas Department of Insurance → https://www.tdi.texas.gov/consumer/complaint.html