Some states impose a windstorm deductible on policyholders, but the qualifying events are limited. Insurance companies in Florida only charge a wind deductible if the National Weather Service issues a hurricane warning the first three days after the warning ends. In Texas, insurance can impose a monetary deductible for weather-related wind damage.
Wind and hail insurance covers your home's physical structure and any detached structures on your property and your goods. Wind-related events are covered by this form of insurance, which includes:
- Hurricanes: Any wind damage caused by a hurricane of any size is covered.
- Tropical storms: Wind insurance covers tropical storms that aren't formally categorized as hurricanes.
- Tornadoes: Tornado damage is covered throughout the Midwest and Central Plains.
- Wind insurance coverage will cover hail storms that bring severe winds.
Check with your insurance company to see what it will cover and whether there are any policy limits you should be aware of.
How Windstorm Insurance Works
Windstorm insurance protects against extreme wind gusts, such as hurricanes and cyclones, frequently deemed significant and excluded from conventional homeowners insurance policies. Those who reside in places where this type of risk is a possibility must get this extra coverage to protect themselves.
This category includes residents of coastal and midwestern states where hurricanes and tornadoes are reasonably prevalent.
Physical damage to the property and personal belongings within the residence is usually covered by windstorm insurance. Many insurances cover unattached structures such as garages and sheds as well. Rain and debris can exacerbate the problem when strong winds damage roofs and windows.
Most insurance companies will pay repairs in such instances if the claim is lodged quickly after the event.
Windstorm insurance is essential for those in states that experience windstorms to ensure you are covered in any windstorms. You need windstorm insurance if you are in one of these states.
At Brad Spurgeon Insurance Agency Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (409) 945-4746 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.