{"id":2123,"date":"2020-12-03T17:40:58","date_gmt":"2020-12-03T17:40:58","guid":{"rendered":"https:\/\/www.homeinsuranceking.com\/blog\/?p=2123"},"modified":"2020-12-03T17:41:00","modified_gmt":"2020-12-03T17:41:00","slug":"what-is-a-wind-and-hail-windstorm-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.gethomeinsurancequotes.com\/blog\/what-is-a-wind-and-hail-windstorm-insurance-policy\/","title":{"rendered":"What is a wind and hail windstorm insurance policy?"},"content":{"rendered":"\n
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This has been a banner year for severe storms and hurricanes and some communities have been hit hard. All of these storms have reminded many homeowners exactly how important it is to protect their home with insurance. Unfortunately, for much of this type of damage, homeowners must be carrying windstorm insurance in addition to homeowners insurance<\/a>.\u00a0<\/p>\n\n\n\n

Windstorm insurance will help pay for damage to your home that is done by wind or hail. These are the only two perils covered by these policies. Windstorm insurance can be expensive if you live in a high-risk area, but this coverage can be a financial lifesaver if your home is severely damaged or destroyed by wind or hail. <\/p>\n\n\n\n

This coverage goes by many names, wind insurance windstorm, wind and hail, or even hurricane coverage.<\/p>\n\n\n\n

Here is a quick primer on everything you need to know about windstorm insurance. <\/p>\n\n\n\n

What is windstorm insurance?<\/strong><\/h2>\n\n\n\n

In most locations, windstorm and hail damage is a covered peril on standard homeowner insurance policies<\/a> but in high-risk areas, wind and hail damage may be excluded from a homeowners policy or require a separate deductible<\/a> that applies to wind and hail damage. In most cases, if wind and hail damage is excluded or requires a rider with a separate deductible, your mortgage lender will require that you carry this coverage.\u00a0<\/p>\n\n\n\n

Windstorm insurance covers damage that is done by wind or hail only. Most windstorm policies also include loss of use coverage. This coverage will help pay your day-to-day expenses if your home is deemed unlivable, you lost your roof as an example, due to wind or hail damage. Examples of bills this coverage will pay include hotel bills, restaurants or even dry-cleaning costs.  <\/p>\n\n\n\n

Windstorm deductibles<\/strong><\/h2>\n\n\n\n

If your homeowners insurance<\/a> comes with a separate windstorm deductible or you have to add a rider or even purchase a separate windstorm policy, it will almost always come with a percentage deductible.\u00a0<\/p>\n\n\n\n

Windstorm policies, like all insurance policies have a deductible. This is the amount you have to pay before the insurance policy pays out. However, windstorm deductibles are different than a normal flat rate deductible and understanding the difference between the two is very important.<\/p>\n\n\n\n