(919) 321-2886 | (336) 792-1170 ☰ ˟
Logo Logo Shadow
Pay My Bill File a Claim Español Quick Quote
Pay My Bill File a Claim
Español Quick Quote
  • Home
  • Get a Quote
  • About
    • About Us
    • Premier Nationwide© Agency
    • Employee Directory
    • Our Locations
    • Testimonials
    • Privacy Policy
  • Logo
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > Do Home Insurance Policies Cover Wind Damage?
WEDNESDAY, JULY 8, 2020

Do Home Insurance Policies Cover Wind Damage?

Wind Sock

As winds rise, the threats of damage to your home increase. Falling limbs or airborne debris might strike the house in high winds. Disastrous wind speeds might even threaten the home's structural integrity. The roof, walls and foundations might all be at-risk, and any damage might prove costly. So, to cover the costs, you might want your homeowners insurance policy to pay. It might do so, but not all policies cover all windstorm damage.

Here's what to look at when enrolling in coverage.

What Damage Can Wind Do?

You might think wind is harmless, but that's not the case. Consistent wind over time can do damage to your home. Severe wind speeds brought on by storms or other weather might wreak havoc. The faster and more sustained the wind speeds, the more damage your home might sustain. In each case, thousands of dollars in exterior repairs might arise. If exterior damage exposes the interior, then many more belongings might sustain harm.

You will want to expediently repair any household wind damage. The sooner you do, the less exposure you might face from risks like mold, structural insecurity and pest invasions. It is only natural for you to want your homeowners insurance to help you out with the costs.

Home Insurance For Wind Damage

In most cases, homeowners insurance policies will cover wind damage. However, that doesn't mean they will always do so.

When it comes to damage from hazards caused by wind, your policy can likely help you out. For example, if a tree on your property falls onto your house, then your policy can still pay. It might also pay for damage from rain, hail or other debris that gets into your house as a result of the tree falling. Still, you might have to prove that the tree fell due to the wind, rather than from being dead and neglected.

Some policies exclude all types of wind damage. Others will exclude damage caused by specific weather events, like hurricanes or tornadoes. Check your policy when enrolling to see how it addresses wind damage, and how it will compensate you. If your policy excludes wind damage, then you might be able to add coverage. You might do so by buying a specific policy endorsement or a separate windstorm policy.

For example, in many coastal communities in North Carolina, windstorm damage is not covered on standard policies. However, homeowners can receive coverage through a special insurance system called the Coastal Property Insurance Pool. This system allows homeowners to buy this coverage from numerous private insurance companies.

Limits For Windstorm Damage

All homeowners policies establish what items they will insure in case of wind damage. Most often, you will find coverage under:

  • Structure Insurance: Damage to your house and attached buildings will have coverage. Detached buildings, carports and storage sheds might have coverage under a separate item called other/detached structures coverage.
  • Possessions Insurance: If wind damages items inside your home, coverage can help compensate you. Certain unique or expensive items might not have coverage, however.
  • Loss of Use Insurance: If, following significant damage, you cannot stay in your home, then your policy might compensate you for certain living expenses and outstanding costs.

Remember, though your policy might cover wind, there will still be limits to your coverage. Your insurer will likely apply your deductible to any damage. Some policies even include special deductibles for windstorm damage. Additionally, some policies won't pay the full replacement cost of certain items. They might only pay you an item's cash value at the time the damage occurs.

The best way to understand where your homeowners insurance applies to wind damage is to review your policy with your insurer. At All About Insurance, our agents are happy to help you understand how your policy initially protects you and where you might need to buy extended coverage.

Get A Quote

Posted 12:00 PM

Tags: home insurance, all about insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020

  • all about insurance(15)
  • car insurance(10)
  • home insurance(10)
  • auto insurance(9)
  • homeowners insurance(4)
  • covid-19(2)
  • halloween(1)
  • coverage(1)
  • hail damage(1)
  • hail storm(1)
  • home(1)
  • underinsured motorist coverage(1)
  • costume contest(1)
  • damage(1)
  • uninsured motorist coverage(1)
  • protection(1)
  • insurance(1)

View Mobile Version
Have Questions?
Resources
Get A Quote
Payment Options
Report a Claim
Our Carriers
About Us
Refer A Friend
Blog
Contact Us
Contact us
Auto: 919.321.2886
Home: 919.321.4663
Life: 919.321.5433
Business: 800.640.2886
Fax: 919.933.5150
or find a location
Email: info@allaboutinsurance.com
Social Icon Social Icon Social Icon Social Icon Social Icon
© Copyright 2021. All rights reserved. Powered by Insurance Website Builder.