Definition
Wind damage coverage pays for roof, window, and siding damage from storms. However, wind deductibles can be substantial in coastal areas.
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Wind damage is a covered peril under standard homeowners policies in most areas. Coverage includes damage from windstorms, hurricanes, and tornadoes. However, deductibles for wind damage can be high (5-10% of home value in coastal areas). Some insurance companies offer separate wind or windstorm insurance at additional cost. Wind damage commonly includes roof damage, broken windows, siding damage, and tree damage. Proper maintenance like securing loose siding or trimming branches can help prevent claims.
Pro Tip
Verify your wind damage deductible before purchase in wind-prone areas.
Example
Wind damage coverage paid $15,000 when a hurricane damaged the roof and blew out several windows.