A Homeowners Insurance Form is a Package Policy and usually includes protection to your home against windstorms which is one of the most basic perils. If you experience damage from heavy winds, tornadoes or hurricanes, a comprehensive Special Form Homeowners Insurance Policy will provide coverage as listed on the policy form.
In some areas and some cases, it is possible that the insurance carrier will not provide a Special Form Policy; if you have a Limited Coverage Policy or a Simple Fire & Lightning Only Policy, it is important to review your policy and any additional endorsements to find out whether or not Wind coverage applies.
In some areas where heavy weather is prevalent, it would be common for a windstorm to be followed by flood damage. It is important to note that flood damage is not covered by homeowners insurance policies; the peril of Flood is only available by purchasing a separate Flood Insurance Policy which is available from a few select insurance carriers as authorized servicers of the National Flood Program, division of FEMA.
There is a link providing an online format to obtain a quote and buy home insurance online in multiple States; it may be used by Escrow/Closing Professionals, Mortgage Professionals, Real Estate Agents and directly by Consumers. An exemplary online experience for all! http://hda.stillwaterinsurance.com
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In some areas and some cases, it is possible that the insurance carrier will not provide a Special Form Policy; if you have a Limited Coverage Policy or a Simple Fire & Lightning Only Policy, it is important to review your policy and any additional endorsements to find out whether or not Wind coverage applies.
In some areas where heavy weather is prevalent, it would be common for a windstorm to be followed by flood damage. It is important to note that flood damage is not covered by homeowners insurance policies; the peril of Flood is only available by purchasing a separate Flood Insurance Policy which is available from a few select insurance carriers as authorized servicers of the National Flood Program, division of FEMA.
There is a link providing an online format to obtain a quote and buy home insurance online in multiple States; it may be used by Escrow/Closing Professionals, Mortgage Professionals, Real Estate Agents and directly by Consumers. An exemplary online experience for all! http://hda.stillwaterinsurance.com