Windstorms are weather events that produce strong winds and violent gusts accompanied by very little or no precipitation. Hurricanes, cyclones and tornados are often classified as windstorms as are any events that include heavy winds strong enough to cause significant property damage. Many states have provisions for windstorm insurance riders that can be purchased by homeowners to cover damage to property and personal belongings.
What Is Windstorm Insurance?
Windstorm insurance is a special type of property and casualty insurance designed to cover damages caused by high winds. Windstorm insurance may cover damages from hurricane-force winds, tornados, hail and other weather events that are accompanied by wind gusts that exceed 35 miles per hour.
In some cases, homeowners insurance policies will cover damages caused by heavy winds, but in many states where wind damage is common, insurance companies may 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. Many policies will also include coverage for 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.
Windstorm insurance will not cover damages to your vehicle that may occur if a tree falls on it or if it is damaged by blowing debris. You must have a comprehensive car or truck insurance policy in place to cover this sort of damage.