Is Wind Insurance Separate from My Homeowners Insurance? 

Yes, in 18 coastal states and Pennsylvania wind insurance is a separate policy according to the Insurance Information Institute (iii)

Are there Different Types of Wind Insurance? 

Yes. Wind insurance has many names: Windstorm, Wind and Hail, Named Storm, or Hurricane coverage. 

Regardless of the name, wind Insurance is additional coverage coastal homeowners must add to their insurance policy to cover damage from hurricanes, windstorms, and hail in some cases. 

The deductible on a wind insurance policy is usually percentage-based. This means your insurance deductible is based on a percentage of the insured value of your home. For example, if your home is insured for $200,000 and your wind insurance deductible is 5%, your deductible amount would be $10,000.

For Inland homeowners, wind insurance is typically included in their base homeowners insurance policy. There is no tornado insurance. 

How do Wind Insurance Deductibles Work?

Deductibles are the dollar amount of damage you should be prepared to pay for out of pocket before your insurance coverage kicks in. The deductible amount is usually subtracted from the amount of your claim before being sent to you. 

For wind insurance, there are typically two types of deductibles: 

  • Hurricane or named storm deductibles - Pays for damage from named hurricanes and/or tropical storms. 
  • Windstorm, wind, or wind and hail deductibles - Can pay for any damage caused by wind storms, such as thunderstorms and straight-line winds, wind and hail, and hurricanes and tropical storms. 

How Can I Save Money on my Wind Insurance?

Many insurance companies provide discounts for specific upgrades and features that better protect their homes from being damaged. Consider building or re-roofing using FORTIFIED standards to qualify for insurance discounts and learn about other options here. 

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