Wind Damage: When It Is And Isn’t Covered By Homeowners Insurance

Wind damage insurance claims are a little more complicated than other homeowners insurance claims. A quality home insurance policy can provide a financial safety net if your home or belongings are damaged. These policies typically cover other structures on your property like garages and tool sheds.

When it comes to wind damage, insurance policies are very detailed about the type of wind damages that are covered under the policy.  These are a few examples of when it is and isn’t covered by homeowners insurance.

Please note, that these are general examples. For a better understanding of what your policy covers, your insurance agent can set some time aside to explain the wind damage coverage in your policy in more detail.

When it is covered 

A standard homeowner’s insurance policy will cover wind damage caused by a storm. Wind damage is a common insured peril and your insurance company is responsible for covering the damages caused by wind. Your insurance company will either repair or replace the roof, whichever costs less. 

When it is not covered 

If there’s a storm that creates windy conditions and flooding, it can be difficult to determine which event is responsible for the damages. Many homeowner insurance policies anti-concurrent causation clauses. This clause states that when two disasters occur at the same time and the policyholder is only covered for one disaster, the insurance provider does not have to pay for any of the damages. Flooding and earthquakes are not covered in a standard homeowners insurance policy. 

This is not the case in Florida where Florida law requires home insurance policies to cover wind damage caused by a hurricane, excluding a few high-risk areas.

Your location will also determine when wind damage is covered under a homeowners insurance policy. In windy areas of some states, homeowners insurance policies may not offer protection or they may offer the coverage at an extra cost.