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Is Your Home Protected From Wind Damage?


If you're like most homeowners in the United States, you have what is known as a standard Homeowners-3 insurance policy. Those policies tend to cover losses from wind storms, tornadoes and certain other disasters – but not all. Typically, earthquakes, floods and mudslides are excluded and require additional types of insurance. 

Two key points to keep in mind regarding wind damage:

1. You should closely examine the dollar amounts of insurance you have for wind and other disasters. You want to ensure you are comfortable with coverage level for each disaster.

2. On the Gulf or Atlantic Coasts, or near there, you may have limitations on your homeowners insurance regarding wind damage. You need to be aware of windstorm/hurricane deductibles by carefully reviewing your policy and discussing it with your insurance agent.

The Insurance Information Institute provides additional information about wind-related damages, noting that insurers may separate hurricane deductibles and deductibles from other kinds of wind. Both deductibles may range from 1 percent to 5 percent of a home's insured value, although in high-risk areas, hurricane deductibles may be higher.

There are two kinds of wind damage deductibles: hurricane deductibles, which apply to damage solely from hurricanes, and windstorm or wind/hail deductibles, which apply to any kind of wind damage. Percentage deductibles typically vary from 1 percent of a home's insured value to 5 percent. In some coastal areas with high wind risk, hurricane deductibles may be higher.

The III lists special deductible rules for 19 states that have special hurricane deductibles: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia and Washington DC.

Give us a call today for more information about wind damage insurance in your specific area.

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Dan The Real Estate Man
Dan The Real Estate Man
(562) 618-4993
Century 21 Classic Estates
13217 South St.
Cerritos, CA 90703
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Our firm provides the information in this e-newsletter for general guidance only, and does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind. The information provided herein should not be used as a substitute for consultation with professional tax, accounting, legal, or other competent advisers. Before making any decision or taking any action, you should consult a professional adviser who has been provided with all pertinent facts relevant to your particular situation. Tax articles in this e-newsletter are not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding accuracy-related penalties that may be imposed on the taxpayer. The information is provided "as is," with no assurance or guarantee of completeness, accuracy, or timeliness of the information, and without warranty of any kind, express or implied, including but not limited to warranties of performance, merchantability, and fitness for a particular purpose.
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