What Does Windstorm Insurance Coverage Typically Cover?

While the terms and conditions of a given policy may vary, windstorm coverage typically covers:

Structural Damage: This typically includes repair or replacement costs for the physical structure of your property, such as walls, roofs, and foundations, depending on your specific policy terms and conditions.
Personal Property: Items inside the home or business, such as furniture, electronics, and clothing, may be covered if damaged by a windstorm.
Additional Structures: Structures such as garages, sheds, and fences can also be included, depending on your specific policy terms and conditions.
Loss of Use: If your property becomes uninhabitable due to windstorm damage, some policies cover additional living expenses or lost rental income.

Note that many policies have specific windstorm deductibles to consider.

While the terms and conditions of each policy may vary, some common exclusions include (but are not limited to):

Flood Damage: Often, damage from flooding—whether it's storm surge or heavy rain—is typically not covered. A property owner may need to consider a separate flood insurance policy.
High-Value Personal Property: High-value items, such as fine jewelry or art, may have limited or no coverage, possibly requiring additional endorsements or coverage options.
Loss of Income: Business interruption due to a windstorm may not be covered unless specifically added to the policy through endorsements or supplementary coverage.
Wear and Tear: Damages due to normal wear and tear or lack of maintenance are generally excluded from windstorm policies.