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Wind damage can cause significant destruction to your property, leaving homeowners wondering about their insurance coverage. At All Counties Insurance Agency & Traffic School in Palm Coast, FL we help homeowners understand what wind-related damages their policies cover and what exclusions might apply.
Standard Wind Coverage In Most Policies
Most standard homeowners insurance policies do cover wind damage to your home’s structure, including roof damage, broken windows, and siding destruction caused by windstorms. This coverage typically extends to detached structures like garages, sheds, and fences on your property. If wind causes a tree to fall on your house, the structural damage is usually covered, though the tree removal may have separate coverage limits. Personal property damaged by wind inside your home is also generally covered under your contents coverage.
Important Exclusions And Limitations
However, wind coverage isn’t unlimited. Many policies exclude damage from named storms like hurricanes, requiring separate windstorm or hurricane insurance in high-risk areas. Flood damage caused by wind-driven rain typically isn’t covered under standard policies and requires separate flood insurance. Gradual damage from long-term wind exposure, such as loose shingles that weren’t properly maintained, often falls under maintenance issues rather than covered perils. Some insurers impose higher deductibles specifically for wind and hail claims.
Coastal Considerations
Homeowners in coastal areas often face additional restrictions. Many insurers require separate windstorm policies or impose waiting periods before wind coverage takes effect. Some policies exclude coverage entirely during hurricane season unless you purchase additional protection.
Understanding Your Coverage
Reviewing your policy details helps ensure you have adequate wind protection for your specific location and needs. All Counties Insurance Agency & Traffic School in Palm Coast, FL can help you understand your current coverage and identify any gaps that need addressing.
