Is Wind Damage Covered By Homeowner's Insurance During A Hurricane?

Yes, wind damage is typically covered by homeowners insurance during a hurricane. Homeowner's insurance policies usually include coverage for damage caused by strong winds, which are a common element of hurricanes. This coverage applies to your home's structure, as well as other structures on your property, such as garages, sheds, and fences. Here's an explanation of how wind damage coverage works during a hurricane:

Wind Damage Coverage: Homeowner's insurance policies commonly cover wind-related damage, including damage caused by hurricane-force winds. This coverage encompasses a range of issues, such as roof damage, siding damage, broken windows, and structural damage caused by the force of the wind. If your home's exterior or interior is compromised due to wind, your homeowner's insurance policy should provide coverage for the necessary repairs.

Insurance Deductibles: It's important to note that many homeowners insurance policies, especially in hurricane-prone areas, have a separate deductible specifically for wind-related damage caused by hurricanes or named storms. This deductible is often calculated as a percentage of your home's insured value and is higher than your standard deductible. It reflects the increased risk and potential severity of damage during severe weather events like hurricanes.

Damage Assessment: Following a hurricane, your insurance provider will send an adjuster to evaluate the damage and estimate the cost of repairs. They will determine whether the damage was indeed caused by wind and if it is eligible for coverage under your policy. It's advisable to document the damage with photographs and keep records of any temporary repairs you make to prevent further damage.

Exclusions and Limitations: While wind damage is generally covered, homeowners should be aware of any specific exclusions or limitations in their policy. For instance, some policies might exclude coverage for cosmetic damage, or there might be restrictions on coverage for older roofs. It's crucial to review your policy carefully and understand what is and isn't covered.

Comprehensive Coverage: Wind damage coverage is part of the comprehensive protection offered by homeowners insurance. However, homeowners should also consider additional coverage for flood damage, as standard homeowners insurance policies typically exclude flood-related losses. Flood insurance is a separate policy that covers damage caused by rising water, including storm surges often associated with hurricanes.

In summary, homeowners insurance typically covers wind damage caused by hurricanes, including damage to your home's structure and other property. While coverage is generally provided, factors such as deductibles, policy limitations, and exclusions should be carefully considered. Review your policy, understand the details of your coverage, and consider any necessary adjustments to ensure that you're adequately protected against the potential impact of hurricane-related wind damage.