On Insurance Form Does A Hurricane Count As A Windstorm

In coastal areas particularly the gulf coast states devastating hurricanes have led to insurers dropping windstorm coverage for some buyers.

On insurance form does a hurricane count as a windstorm. Homeowners insurance usually helps cover windstorm damage caused by tornadoes and hurricanes. Questions on the florida wind mitigation inspection form. However if your policy excludes windstorm damage it probably will not help cover the cost of repairs if your home is damaged by a tornado or hurricane. The average cost of a wind mitigation inspection is about 100 which is usually more than offset by the insurance savings.

Hurricane or other windstorm deductibles can exceed 5 percent of the coverage limit without the approval of the maryland insurance administration. The notice of premium discounts for hurricane loss mitigation was updated in 2010 and provides information on windstorm loss mitigation for a personal residential insurance policy. Sometimes windstorm insurance may be referred to as hurricane insurance this isn t a wholly accurate term as windstorm insurance does not cover all the damage that can occur due to a hurricane. Windstorm insurance is a special type of property casualty insurance that protects policyholders from property damage caused by gusty events.

If that s the case it s highly advised that you get windstorm insurance. A wind mitigation inspection form considers seven indicators of your home s ability to withstand strong winds. Maryland law allows a hurricane deductible to be applied to the entire state if there is a hurricane warning in any part of the state. Wind including damage from tornadoes and hurricanes.

Most home insurance policies are designed to cover damage to your home s structure and belongings from high winds including those caused by tornadoes hurricanes winter storms etc. The windstorm loss reduction credits shows the range of wind premium credits for existing construction on a single family residence according to section 627 0629. Maine bureau of insurance. If you live in any community close to the beach on the atlantic coast it s likely that your homeowners insurance will at least have a separate wind or hurricane deductible but it s also possible that windstorm and hurricane damage will be listed as an exclusion in your policy.

In most parts of the country windstorm damage is covered under standard homeowners insurance policies. In order to get comprehensive insurance coverage for hurricane damage you want to look at a combination of homeowners wind and flood insurance.