Will Homeowners Insurance Cover Wind Damage?

Also, I am unable to make the repairs myself.  Will my home insurance pay for a property damage repair company to come out and make the necessary fixes?

  1. 992 POINTS
    Phil Tuccy
    Owner, Insurance Group Consulting, LLC, Florida
    Homeowner policies typically cover wind damage to insured property.  However, policyholders need to determine the deductible that will be applied in the event of damage from wind.  For example, in Florida where wind is a particular frequency concern, carriers assign higher deductibles that are applied at settlement of a loss caused by wind.  It is not uncommon for a deductible that is twice or more of the amount of dwelling coverage deductible for damage from other types of loss causes.   The wind deductible is usually a lot higher than your standard homeowner policy deductible.  Check with your local independent agency for a review based on your needs and budget.
    Answered on February 12, 2014
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