Windstorm Insurance

Certain storms bring a high wind that exceeds the classification of what your home insurance policy covers. In these instances, you must have additional coverage in place to protect yourself. Windstorm insurance can provide coverage for the damage caused by high wind events such as tornadoes, hurricanes and cyclones.

Windstorm insurance can cover both the outside buildings and main structure of your property, as well as the inside contents. Several different types of property can be protected under windstorm insurance. You can expect coverage on the following, among others:

  • Mobile Homes

  • Commercial Property

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Generally, if you live in an area that is susceptible to high-wind storms and your home insurance policy does not automatically cover the damages they could cause, you will want to add this protection. Remember that if a flood occurs as a result of the storm, the windstorm coverage will generally not cover the damages. Instead, you’d need to look to your flood insurance policy.
Windstorm coverage added as a rider to your home insurance policy will generally have a separate deductible from the rest of the hazards covered by the policy (for areas prone to hurricanes, this may be referred to as a hurricane deducible). This amount is generally represented as a percentage of the policy’s overall limit. In order to determine which deductible applies to an individual event, your insurer might rely on the National Weather Service’s classification of the recent storm that caused the damage to your property. Purchasing commercial property insurance requires choosing between two different property values. Florida business owners may obtain coverage based on actual value or replacement value. Actual value is determined by taking replacement cost less depreciation whereas replacement value is the actual value of the property in today's prices, or a set agreed upon amount when coverage begins.

Don’t let another unexpected storm damage your property AND your financial stability. Find out if you qualify – and to what extent you qualify – by speaking to any of our dedicated agents today.

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