Good Contents Are Everywhere, But Here, We Deliver The Best of The Best.Please Hold on!
Data is Loading...
  • Your Cart Is Empty!
Windstorm Insurance

Windstorm insurance protects you from financial disaster in the event of a hurricane or storm with strong winds damage your property. Scroll down to find out more  about auto insurance and get a free no obligation quote. 
  • Text Hover

What Is Windstorm Insurance?

Windstorm insurance is a special type of property and casualty insurance designed to cover damages caused by high winds. Windstorm insurance may cover damages from hurricane-force winds, tornados, hail and other weather events that are accompanied by wind gusts that exceed 35 miles per hour.
In some cases, homeowners insurance policies will cover damages caused by heavy winds, but in many states where wind damage is common, insurance companies may require homeowners to purchase a separate windstorm insurance rider to provide coverage for damages. It is very important that you are aware of what is and what is not covered by your homeowners policy.

Windstorm Facts

  • Windstorms can have wind speeds in excess of 200 miles per hour
  • Heavy winds cause about $1 billion in damages in the United States every year 
  • Approximately 85% of all windstorm-related insurance claims are due to roof damage

Insurance Claim Tips Following a Storm with Heavy Winds

If you should ever need to file a claim for damages caused by a windstorm, there are steps you can take to ensure that you get the coverage to which you are entitled. The most important thing to remember is to act quickly. Many policies limit the time frame in which you can file a claim for storm damage. Often this is because failure to fix the problems can lead to more damage later.

Immediately after a windstorm, It’s a good idea to take the following steps:

  • Record the date of the storm and save news articles about the storm as proof.

  • Assess and record all damage that you see from the ground; take pictures and/or video.

  • Have at least two reputable contractors inspect your property, especially your roof, for damages. Get written repair estimates from each.

  • Contact the claims department of your insurance carrier, provide all information you have gathered and request a visit from a claims adjuster.

  • Ask one of your contractors to be present during the insurance adjuster’s inspection to ensure that you receive a fair assessment.

  • If your claim is denied, remember that you are entitled to meet with three different insurance adjusters. Request another evaluation.

Questions to Ask Your Agent

Your independent agent is an advocate for finding Windstorm Insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • Is Windstorm Insurance mandatory? Do I really need it?

  • If I have flood insurance, isn’t that all I need?

  • Is the house currently insured for wind and hail insurance?

  • What is the claims history on this house? What repairs have been made?

  • Can I insure just the roof?

  • Who can conduct windstorm inspections?

  • What if the house does not pass inspection? What is my alternative/next step?


Please feel free to contact us for a free no obligation quote. Someone will get back to you within 24 hours.

    Select Insurance You Are Interested in.(required)