High-velocity winds can cause severe damage to your property. Common windstorm claims involve roofs blowing off, trees falling on your property, fences blown down, and leaky windows. This type of damage can also bring hidden damages that aren’t realized upon the initial assessment of your property.
Damage caused by wind is covered in most homeowners insurance policies, however there can be ambiguous exclusions or limitations which may cause your wind insurance claims to be denied.
Is Damage Caused by Wind Covered Under Homeowners Insurance?
Wind damage is generally covered under homeowners insurance policies, unless you live near the coast. We recommend you review your insurance policy to confirm that wind is noted as a covered peril, if your policy is “all-risk,” or if there is any explanation for windstorms. If it is not covered, consider modifying your policy or obtaining supplemental coverage through another insurer.
Which Types Of Protection Are There For Damage Caused by Wind?
If your policy covers wind damage, there are two primary types of protection to look for regarding your property. The first is dwelling coverage, which protects your home’s structure. Dwelling coverage assists with repairs to your home’s roof, windows, or siding, for example.
The other primary protection to look for in your policy is personal property coverage. This assists with the cost of replacing any personal contents damaged by wind within your home’s structure. Bear in mind that each protection type may carry a limit regarding the amount your insurer will cover.