Windstorm Insurance

Various types of windstorms impact homeowners across the country. Some wind arrives quickly with a thunderstorm or hurricane, while other high-wind events are not associated with rain or precipitation. Regardless of the type of windstorm, wind can be financially devastating, especially if you own a home or live on the first floor of an apartment or condominium. 

What Is Windstorm Insurance? 
Windstorm insurance or a wind/hail deductible is coverage that applies to hurricanes, tornados or other intense wind damage. 

Windstorm coverage is usually part of standard homeowners insurance. This coverage can help pay to restore or replace your home and belongings if a wind event causes a covered loss on your property. However, for some designated coastal areas, including Maryland, you may need to purchase separate hurricane insurance in addition to your homeowners coverage to gain this protection. 

Hurricane insurance isn’t one policy but a combination of coverages, including homeowners, flood and windstorm insurance. Deale & Associates Insurance Agency can help you determine the coverage you need to maximize your protection and see if you qualify for specific hurricane coverage. 

What Coverage Does Windstorm Insurance Provide? 
By having coverage for windstorms, you can pay to repair or restore your home and property that have been damaged or destroyed by a qualifying weather event. 

Windstorm coverage sometimes does have certain limitations. We can discuss if these exclusions apply to you. 

• Your vehicle isn’t typically covered under homeowners insurance. If a tree falls on it during a wind event, you may want to buy comprehensive auto insurance for this type of incident.
• Windstorm coverage may be limited to your home and the belongings you keep inside your residence.
• Additional structures such as swimming pools, garages and sheds may require additional insurance.