The Right Insurance to Protect You Following a Windstorm

Are you prepared to face natural disasters? Read this post to safeguard your family adequately. Your life is more important than anything else.

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Windstorms are weather events that bring fierce winds and violent gusts that go along with very little or no rain. Examples of these are the following:

• Hurricanes: These form over bodies of water.
• Cyclones:  They are low-pressure areas with winds with a clockwise or counterclockwise circulation. Typically, a cyclone is known as a depression.
• Tornadoes: These form over land.
• Hail: These are pellets of frozen rain which fall in showers

You wouldn’t believe that windstorms can cause the wind to move faster than 200 miles per hour. Windstorms have been saddling many states in the US every year. In fact, these robust winds can cause $1 billion worth of property damage. Moreover, 85% of all windstorm-related insurance dues are associated with roof damage.

Windstorm insurance policy is a certain kind of assistance provided to policyholders who are suffering distress due to property damage following a windstorm. It’s being presented by insurers as a rider on a standard casualty insurance policy. A rider is an insurance plan stipulation that complements compensations in terms of a basic insurance policy. In other words, it’s an amendment to an insurance plan.

As a subset of storm insurance, through this policy, your insurer will cover damages following wind gust that exceed 35 miles per hour. But, you need to clarify with your insurer the windstorm deductible stated in your policy. Be aware that “deductible” is the amount of loss paid by the policyholder before getting the benefits from the insurance provider.

Deductibles vary from state to state so coordinating with your insurance agent is necessary. The percentage of deductible depends on the insurance company. It could be a fixed dollar amount or 1 to 5%. Clarify this with your insurer so that you won’t get surprised when the time comes that you need to file a claim.

Get the windstorm insurance plan now from a trusted insurer. Your insurance agent will guide you to get the best option suitable to your needs.

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