Windstorm Insurance Tips for the Landlords

Windstorms are the kind of weather events that produce violent gusts and strong winds, which can be accompanied by little to no rainfall. Cyclones, Tornadoes, Hurricanes, and Derechos are usually classified as windstorms, as with other events that include heavy winds that are strong enough to cause property damage.

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This is the reason why a lot of states supply windstorm insurance, which can be purchased by homeowners to help cover the damages to their personal belongings and property.

This is a particular type of casualty and property insurance that is designed to cover damages caused by high winds. The coverage may cover costs caused by hail, tornadoes, hurricane-force winds, and other weather events accompanied by strong gusts of wind exceeding 35mph.

There are some cases that insurance policies will cover damages caused by strong winds, but in most states where windstorms are common, insurance companies may require landlords to get a separate insurance rider to provide coverage for the damages. This is the reason why you should always be aware of what is covered and what is not by your policy.

Windstorm insurance will cover the damages of your home and personal things inside your house. There are also policies that include coverage for severed structures, such as sheds, garages, and even a swimming pool. When strong winds break roof and windows, it will create more damages in your home by the rain and debris.

A lot of policies will cover these repairs as long as you file a claim right after the weather event. Sometimes, these windstorms can be followed by flooding and storm surges. Therefore, you should know that windstorm insurance doesn’t cover damages caused by rising waters. So flood insurance is a must.

It can be a bit difficult to file a claim after the storm. Therefore, there should be some things that you needed to do first for your request to be approved as soon as possible. Here are tips/steps that you should take to make sure you get the coverage that you are entitled to.

But do remember that it is essential for you to act quickly, as a lot of policies have a limited time frame for filing a claim for storm damage. Here are some tips that you need to follow:

1. Save news articles and record the storm’s date as proof.
2. Take pictures and video of the damages. Assess and document all costs that you see from the ground.
3. Have one or two contractors to inspect your damaged property. Get the written repair estimates and make sure the contractors are reputable.
4. Contact the claims department and provide all the information that you have gathered. Then request for a visit from the company’s claim adjuster.
5. Ask one of the contractors to be present during the adjuster’s inspection to ensure you receive the right assessment.
6. If your claim has been denied, request another evaluation. Remember, every homeowner with windstorm insurance is entitled to meet with three adjusters.
   
   

Windstorm insurance and other insurances are something that needed to be researched. Therefore, as a consumer, it is vital for you to know what is in your policy and what is not. And if you think your coverage is insufficient, then it is time for you to find a reputable insurance company.

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.