Yes it does. If a windstorm causes damages to your roof, siding, or a tree to fall on your home you will be covered under your homeowners insurance. If this has happened to you call your agent first. Then start getting estimates. If the damage is minor you may not want to turn in a claim.
Homeowners insurance comes in different forms; in most States, if you have a Form HO3 (Special Form) or a Form HO5 (Comprehensive Form), Wind damage is covered to your dwelling, other structures and personal property. If you have incurred damage as a result of wind, it is important to protect the structure from further damage immediately and file a claim with your insurance carrier. If you are not sure whether to file a claim and need advice, you should contact your insurance agent and discuss the options, size of the claim and prior claims activity that you may have had within 5 years.
The policy deductible will apply to the claim, in many States, you will have a separate Wind deductible which may be expressed in the form of a percentage of the coverage section being claimed against.
For a homeowners insurance quote, you may click here: http://www.HDAinsurance.com/homeowners.html
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Short answer is yes it does. Wind is a normal covered peril in a standard Homeowners' policy. Now, how the coverage is applied may vary a bit depending upon the location of your home. If you are located in a coastal community as opposed to inland, some Insurance Companies may require a higher deductible for wind damage coverage. Some consider it separately, others lump wind together with hurricane. It may also be handled differently in areas that are more subject to tornadoes. It is best to talk to your Insurance Professional about the specific terms and conditions of your policy.
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The policy deductible will apply to the claim, in many States, you will have a separate Wind deductible which may be expressed in the form of a percentage of the coverage section being claimed against.
For a homeowners insurance quote, you may click here: http://www.HDAinsurance.com/homeowners.html