Wind Damage and Homeowners Insurance: What's Covered?

Have you experienced unusually windy days in recent months?  The wind combined with recent rainy days has created the potential for trees to uproot and fall, as happened at the Masters Golf Tournament.

Did you know in 19 states, a general homeowners insurance policy does NOT cover wind damage? 

All but one of those are coastal states that are at higher risk of wind-related weather incidents.

If you live inland, generally speaking your general homeowners insurance policy covers wind damage.  This typically includes damage from storms like hail, tornados, hurricanes, and micro-bursts.

It may seem obvious, but please remember that coverage also covers only those parts that are damaged.  That can be a bigger factor than you think.

For example, if your home's siding is damaged,  your homeowners insurance will cover replacement of the damaged section (minus deductible, of course).

 But what if the new siding doesn't exactly match the color of the remaining siding because the original siding is no longer available?  Your general insurance policy will not cover to replace all the siding so it matches.  That requires an additional policy to cover that.

One more thing to be aware of.

Let's say windy conditions cause a huge tree to fall on your house and cause sudden, unexpected water damage inside your home because of broken water pipes. Your general  homeowners policy will cover that.

BUT, it will NOT cover water damage from flooding outside your home as a result of the same storm.  That requires a separate flood policy.

As you can see, your homeowners insurance policy can be very specific in its coverage and exclusions.

To make sure you understand the terms and conditions of your homeowners insurance, it's best to work with a local independent insurance expert to help you customize your coverage to fit your particular needs.

Haven't reviewed your home and auto insurance policies lately?  I'll be glad to look at them to see if you have what you need and at the best cost possible.