What is Windstorm Insurance?
Windstorms are a natural phenomena that produces strong or violent gusts of winds that have little to no precipitation. Hurricanes and tornadoes are usually classified as windstorms as well as any events that have winds heavy enough to cause major damage to property.
Homeowners can protect their property or offset any damage with windstorm insurance. This is a distinct kind of property and casualty insurance that covers damages due to strong winds. Some insurance policies cover damages caused by windstorms, but in a lot of states where this type of natural disaster is common, insurance companies might demand for homeowners to buy a separate windstorm insurance rider.
What Does it Cover?
Windstorm insurance policies usually cover damages to homes, furnishings and personal belongings inside the residence. Policies can also provide coverage for swimming pools and detached structures like sheds and garages. Gale force winds can cause damage to roofs and windows, which can lead to rain and debris getting inside the structure and causing more problems. Most policies will cover these repairs if claims are filed immediately after the event.
Windstorms are sometimes accompanied by flooding or storm surges. It should be emphasized that windstorm insurance does not cover damage caused by flood or rising waters. A separate flood insurance should be purchased in order to cover flood damage.
Vehicles that are damaged during a hurricane are also not covered by windstorm insurance. One must have a distinct and comprehensive auto insurance policy in effect for this.
How to Choose the Best Windstorm Coverage?
Windstorm insurance options differ based on the insurance company and the location. One insurance carrier might require a separate insurance for hurricanes while another might include this policy in their home insurance.
What homeowners need to understand that any form of insurance has to be researched. It's vital that one understands what is included in their home insurance policy and what isn't. If you think that you need more coverage, talk to your insurance agent or start shopping around for other options
Remember that there's always a solution that will work well for your family and budget, while at the same time providing you with the protection you need no matter what kind of storm comes your way. At Brad Spurgeon Insurance Agency, we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.