Reviewed by Samantha Silberstein; checked for accuracy by Jane Meacham in this article: “How Does Windstorm Insurance Work?”
What is covered by windstorm insurance?
What Doesn’t Cover Windstorm Insurance? Do You Need Windstorm Insurance?
Frequently Asked Questions (FAQs) Typically, homeowners insurance includes windstorm insurance as an add-on. In the event that a windstorm, such as a hurricane or tornado, causes damage to your home or personal belongings, it provides protection.
Important Takeaways Depending on where you live, wind and hail damage may not be covered by your standard homeowner’s insurance.
To ensure that your home is protected from wind-related damages, you will need to purchase an add-on policy if this damage is not covered by your policy.
Flooding caused by wind damage may or may not be covered by windstorm insurance, which does not cover storm surge damages. A flood insurance policy may also be required if you are at risk for these dangers.
Deductibles for windstorm insurance typically amount to a percentage of your home’s total insured value.
