Windstorm Coverage 101: Know What’s Included Before The Storm Hits

What Is Windstorm Coverage?



• Hurricanes
• Tornadoes
• Cyclones
• Wind gusts
• Hailstorms (in some policies)

1. Damage to the Structure of Your Home
   Roofs, siding, windows, and other parts of your home's exterior damaged by wind.
   Detached structures like garages or sheds (if included in your policy).
   
   
2. Personal Belongings
   Furniture, electronics, clothing, and other items damaged or destroyed by wind entering the home.
   
   
3. Loss of Use / Additional Living Expenses
   Covers hotel stays, meals, and other expenses if your home becomes uninhabitable after windstorm damage.
   
   
4. Debris Removal
   Costs to remove trees, branches, or debris that result from the storm.

1. Flood Damage
   Windstorms often bring rain and flooding. However, flood damage is not covered under windstorm or standard home insurance policies. You need separate flood insurance for that.
   
   
2. Wind-Driven Rain
   If rain enters your home due to an open window or poorly maintained roof, it might not be covered.
   
   
3. Pre-Existing Damage
   Damage caused by previous neglect or an unrepaired structure may not be eligible for coverage.
   
   
4. Certain Roof Types or Conditions
   Some insurers may exclude coverage for older or high-risk roofing materials (like wood shake).

• Coastal states prone to hurricanes (e.g., Florida, Texas, Louisiana)
• Tornado-prone regions in the Midwest
• Areas with frequent high-wind warnings

1. Review Your Homeowners Policy Carefully
   Don’t assume windstorm damage is included. Look for specific exclusions in your policy.
   
   
2. Know Your Deductibles
   Some policies have a separate windstorm or hurricane deductible, often based on a percentage of your home’s insured value (e.g., 2–5%).
   
   
3. Consider Upgrades
   Wind-resistant roofing, shutters, and reinforcements can not only reduce storm damage but also lower your insurance premium.
   
   
4. Take Inventory
   Document your belongings and take photos of your home for easier claims processing after a storm.
   
   
5. Ask About Endorsements
   If windstorm coverage isn’t included, ask your insurer about adding it as a rider or endorsement.

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.