Blown Away By Options? How To Choose The Best Windstorm Coverage

What Is Windstorm Insurance?

Windstorm insurance is a type of property insurance that specifically covers damage caused by strong winds, such as hurricanes, tornadoes, tropical storms, hailstorms, and other wind-related events.



What Windstorm Insurance Typically Covers:

• Roof and siding damage
• Broken windows and doors
• Detached structures (garages, sheds)
• Interior water damage caused by wind-damaged openings
• Damage to fences, trees, and landscaping (varies by policy)

5 Key Factors to Consider When Choosing Windstorm Coverage

1. Know Your Region’s Risk

Coastal and tornado-prone areas face higher windstorm threats, which affect both availability and cost of coverage.

• If you live in a coastal or hurricane-prone state, standard homeowners insurance may exclude windstorm coverage.
• In high-risk areas, you may be required to purchase separate windstorm insurance through a state-run or private insurer.

Tip: Check state windstorm insurance pools or specialized insurers if coverage is limited in your area.

2. Understand Deductibles

Windstorm deductibles are often a percentage of your home’s value, not a flat amount. Be clear on what you’d pay out-of-pocket.

• Example: If your home is insured for $300,000 and you have a 2% windstorm deductible, you’ll pay $6,000 out-of-pocket before insurance kicks in.
• Some insurers offer options to choose between flat and percentage deductibles.

Tip: Choose a deductible you can comfortably afford in an emergency, even if it means slightly higher premiums.

3. Review What’s Covered (and What’s Not)

Most policies cover structural and personal property damage from wind, but not flooding or storm surge. Know the gaps.

• Exclusions for older roofs or unreinforced structures
• Caps on coverage for detached buildings or fences
• Requirements for storm-proof upgrades like impact-resistant windows or roof tie-downs

Tip: Pair your windstorm policy with flood insurance for full hurricane protection.

4. Bundle for Better Protection

Consider pairing windstorm coverage with homeowners, flood, or other policies to save money and ensure broader protection.

• Save you money
• Streamline claims processing
• Ensure no gaps in coverage

Tip: Ask your insurer about multi-policy discounts—they can lower costs significantly.

5. Ask About Policy Limits and Endorsements

Make sure limits are high enough to cover full replacement costs, and explore add-ons like code upgrade coverage or additional living expenses.

• Debris removal
• Temporary living expenses (ALE)
• Business property stored at home
• Ordinance or law coverage to rebuild up to code

Tip: Review your policy annually to adjust limits for rising construction and material costs.

Why Windstorm Insurance Is Worth It

• It fills the gap left by homeowners policies with exclusions.
• It ensures faster recovery after a storm.
• It’s often required by mortgage lenders in high-risk areas.

Final Thoughts

At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. 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. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.