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Windstorm Damage: Are You Covered?

When it comes to choosing home insurance, it is important to make sure you have enough coverage.

If you are living in a hurricane prone area, comprehensive policies are especially relevant. Powerful storms cause devastating damage, and it is important to make sure you have enough coverage on your home.

It is important to check with your insurance provider to ensure you are properly covered. Two important policies to ask about are windstorm coverage, and flood insurance.

Windstorm Coverage

Homes that are located along the gulf are especially vulnerable to hurricanes and tropical storms. These high winds can cause extensive damage, and it is especially important that homes in storm risk areas have windstorm coverage.

Many home insurance policies do not include windstorm damage coverage. Home insurance policies for homes that are located in high-risk areas, often include a natural disaster exclusion clause. This means that the house will not be covered in the event of a storm. Some homeowner policies may cover some damage caused by a storm, such as broken windows or a damaged roof, but the amount of coverage may have a high deductable, or the amount of coverage may not be very high. It’s a good idea to check with your insurer, to find out if you have windstorm coverage.

A Flood Insurance Policy

The damage caused by floods can be among the most extensive damage caused by a windstorm –and these floods aren’t limited to the coastal areas. Hurricanes can cause flooding for hundreds of miles inland. Even a small amount of water from a flood can cause extensive damage to a home, leading to tens of thousands of dollars in repairs.

Windstorm coverage doesn’t cover flood damage. This may come as a surprise, considering that the most destructive floods are often caused by powerful windstorms. Flood coverage however, is a separate policy altogether, so it is important to check with your insurer to see about a specific policy that will cover flood damage.

When checking into windstorm and flood insurance policies, it is important to ensure that your home, property, as well as personal property will all be covered. Most new policies take about 30 days to go into effect so it’s important to talk to your insurance company ahead of time, to make sure you are covered.