What Is Windstorm Insurance?
Windstorm insurance is designed to cover damages caused by high winds. This may include damages from hurricane-force winds, tornados, hail and other weather events that are accompanied by wind gusts that exceed 35 miles per hour.
In most coastal states where wind damage is common, insurance companies require homeowners to purchase a separate windstorm insurance rider to provide coverage for damages. It is very important that you are aware of what is and what is not covered by your homeowners policy.
What Does Windstorm Insurance Cover?
Windstorm insurance will typically cover damages to your home and personal belongings inside your home. Some policies also cover detached structures such as garages, sheds and even swimming pools. When gale force winds harm roofs and windows, this often creates the opportunity for rain and debris to cause additional damage. Most policies will cover the repairs as long as you file the claim soon after the event.
Sometimes, windstorms are followed by storm surges and flooding. It is important to realize that windstorm insurance will not cover damage caused by rising waters. Flood insurance coverage must be purchased separately to cover flooding events, and takes 30 days to go into effect.
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