Windstorm Hazard

What Does Windstorm Hazard Mean?

Windstorm hazard refers to the risk that strong winds will damage a property during severe weather conditions, such as a tornado, hurricane, or hailstorm. Most homeowners’ insurance policies do not cover windstorm damage because a single intense storm can damage numerous properties simultaneously, creating a loss too large for the insurance company to handle.

Insuranceopedia Explains Windstorm Hazard

Insurance companies may offer windstorm coverage either as a rider to a homeowners’ insurance policy or as a separate windstorm insurance policy. However, in some high-risk areas, private insurance companies may refuse to cover windstorm hazards. In such areas, a state government agency typically provides windstorm insurance policies to fill this coverage gap.