Is Wind Damage Covered by Home Insurance?

3/10/2023 (Permalink)

Wind and water can cause lots of damages to the structure.

If your home is damaged due to wind-driven weather events, your homeowners insurance policy offers some protection. Typically, you're covered for wind damage from events like tornadoes, hail storms, rain and lightning.

What is considered a windstorm?

 A windstorm, a wind that is strong enough to cause at least light damage to trees and buildings and may or may not be accompanied by precipitation.

Property losses from heavy winds and hail storms are the most frequent cause of homeowners insurance claims. Below is how the different components of your homeowners policy covers wind damage.

• Dwelling coverage: Pays to rebuild or repair the structure of your home if it's damaged during a windstorm.
• Other structures coverage: Pays to rebuild or repair other structures on your property -like a shed or pool house - if any are damaged by wind.
• Personal property coverage: Pays to replace your personal belongings if they're damaged or destroyed during a windstorm.
• Loss of use coverage: Pays for additional living expenses  like hotel stays, restaurant meals, storage unit fees  if you need to temporarily live elsewhere while your home is being rebuilt after a windstorm.

If you have been affected by windstorm and your property has a water damage call SERVPRO Malibu at 310-456-2135