You can supplement your existing homeowners insurance with windstorm insurance.
This kind of policy, which is also sometimes referred to as hurricane insurance, protects you in the event that a severe windstorm, hailstorm, or hurricane causes damage to your home.
Mortgage lenders typically make it a condition of the loan for property owners who live in particular locations, such as along the U.S. Gulf Coast or in particular coastal states.
Some hazards and natural disasters are not covered by standard homeowners insurance. Hurricane, windstorm, and flood insurance may require additional coverage depending on where you live. Although it is not required by law, you can also choose to purchase additional earthquake coverage.
Damage caused by wind events is covered by windstorm insurance. When an included peril causes damage to your home, you must file a claim with your insurance company to begin the reimbursement process. Take video and photo evidence of the damage before you file the claim.
Additionally, you must include evidence of the storm; therefore, gather official news sources that confirm the information. Be sure to file a claim as soon as possible because claims may have a time limit.
