Windstorm insurance is a vital type of property-casualty insurance that shields policyholders from property damage caused by high winds, gales, hail, and other severe weather conditions. Serving as a specialized form of storm insurance, it is typically added as a rider to a standard casualty insurance policy via an extended coverage endorsement.
Key Takeaways
- Windstorm insurance provides financial protection against property damage caused by tornadoes, hurricanes, gales, and other gusty events.
- It commonly covers physical damages to both the property and the personal belongings within it.
- Often attached as a rider to a homeowners insurance policy, windstorm insurance is essential for those in wind-prone areas.
- Many policies have specific time frames for submitting claims for windstorm damage.
How Windstorm Insurance Works
Windstorm insurance offers coverage for extreme wind events such as hurricanes and cyclones, often categorized as force majeure and usually excluded from standard homeowners insurance policies. Individuals in wind-prone regions such as coastal and midwestern states should consider acquiring this additional protection.
This insurance generally covers physical damage to your property and the personal belongings inside your home. Policies often extend to detached structures including garages and sheds. Damage to roofs and windows can lead to rain and debris entry, which is usually covered if the claim is submitted promptly.
Keep in mind, windstorm insurance does not cover damage from storm surges and flooding that often accompany hurricanes; for that, separate flood insurance (available through the federal government) must be purchased, with a 30-day activation period.
Also note that windstorm insurance won’t cover vehicle damage caused by falling trees or wind-blown debris—comprehensive auto insurance is necessary for that.
Filing a Windstorm Insurance Claim
To effectively file a windstorm insurance claim, policyholders must act quickly and follow a series of crucial steps. Many policies restrict the time period during which you can file a claim, emphasizing the need for timely action to prevent further damage.
Immediately after a windstorm, policyholders should:
- Document the Event: Record the storm date and keep news articles for proof.
- Assess and Record Damage: Capture images and/or videos of all visible damage from the ground.
- Get Estimates: Have at least two reputable contractors inspect the property and provide written damage estimates.
- Contact Your Insurer: Reach out to your insurance company’s claims department, provide all gathered evidence, and request an inspection from a claims adjuster.
- Ensure Fair Assessment: Have a contractor present during the adjuster’s visit for a balanced evaluation.
- Request Reevaluation: If a claim is denied, ask for another assessment. You have the right to meet with three different insurance adjusters.
Related Terms: homeowners insurance, flood insurance, tornado insurance, hurricane insurance, property-casualty insurance.
References
- Federal Emergency Management Agency. “Flood Insurance Costs: Understanding your policy terms”.
