Windstorm Insurance
What Does Windstorm Insurance Mean?
Windstorm insurance covers property damage caused by strong winds, such as those from tornadoes or hurricanes. However, this coverage is limited to wind damage and does not include other storm-related damages, such as flooding or heavy rain.
Windstorm insurance is not typically included in standard homeowners’ insurance policies. To obtain this coverage, individuals must purchase an additional rider known as an extended coverage endorsement.
Insuranceopedia Explains Windstorm Insurance
Windstorm coverage can be challenging to obtain in areas considered high-risk for hurricanes or tornadoes. This is because a single severe storm can cause widespread damage, leading to significant financial losses for insurance companies. To address this issue, state governments have established agencies to provide coverage for homeowners in these high-risk regions.
