Wind Insurance: Understanding Its Importance and Coverage

When natural disasters strike, they can cause immense damage to homes and businesses. Strong winds, in particular, can cause extensive damage to properties, leaving property owners with huge repair costs. This is where wind insurance comes in; it helps protect property owners from financial losses due to wind damage. In this article, we’ll explore everything you need to know about wind insurance, its importance, and coverage.

What is Wind Insurance?

Wind insurance is a type of insurance policy that provides coverage for damage caused by strong winds. Policies can vary, but wind insurance generally covers damage from high winds, hurricanes, tornadoes, and other wind-related events. It is a separate policy from standard homeowners or property insurance, as most policies exclude wind damage from their coverage.

Wind insurance covers damages to the structure of the building, including the roof, siding, windows, and doors. It also covers personal property that may be damaged or destroyed by wind, such as furniture, electronics, and clothing. Depending on the policy, wind insurance may also cover additional living expenses if your home is uninhabitable due to wind damage.

Why is Wind Insurance Important?

While some property insurance policies may provide limited coverage for wind damage, it is often not enough to cover the cost of damages caused by powerful storms. Wind insurance provides additional coverage specifically for wind-related events, giving you peace of mind knowing that you are financially protected in the event of wind damage.

In areas prone to strong winds, such as coastal regions or tornado-prone areas, wind insurance may be mandatory. Without it, property owners may be left with devastating repair costs or even the inability to rebuild.

What Does Wind Insurance Cover?

Wind insurance covers damage to the structure of the building and personal property caused by a wind-related event. Here are some examples of what wind insurance may cover:

Wind Damage Examples
Covered by Wind Insurance?
Roof damage due to high winds
Window damage caused by flying debris during a tornado
Damage to cars or boats caused by hurricane-force winds
No, covered by auto or boat insurance
Personal property damage due to wind, such as a fallen tree damaging outdoor furniture
Additional living expenses due to wind damage
Sometimes, depends on policy

How Do I Get Wind Insurance?

Wind insurance can be purchased as a separate policy or added as an endorsement to your existing property insurance policy. Your insurance agent can help you determine the best option for your needs and help you choose the right coverage amount.

When selecting a wind insurance policy, be sure to read and understand the policy thoroughly, including any deductibles or limitations on coverage. Some policies may have exclusions for certain types of wind damage or specific events, so it’s important to know what your policy covers.


What if I live in an area prone to strong winds?

If you live in an area prone to strong winds, such as a coastal region or tornado-prone area, wind insurance may be mandatory. Be sure to check with your insurance agent to determine what coverage is required in your area.

What if my home is damaged by wind but I don’t have wind insurance?

If your home is damaged by wind and you don’t have wind insurance, you may be responsible for the cost of repairs. This can be a significant financial burden, so it’s important to consider wind insurance if you live in an area prone to strong winds.

Is wind damage covered under my standard homeowners insurance policy?

Most standard homeowners insurance policies do not cover wind damage. Wind insurance is a separate policy that provides coverage specifically for wind-related events.

What is the claims process for wind damage?

If your property is damaged by strong winds, the first step is to contact your insurance agent or company to file a claim. Your agent will guide you through the claims process and help you determine what documentation is needed to support your claim. It’s important to document damage with photographs and keep receipts for repairs or replacements.

What is the cost of wind insurance?

The cost of wind insurance varies depending on several factors, including the location of your property, the age and condition of your property, and the amount of coverage you need. It’s best to speak with your insurance agent to get an accurate quote based on your specific needs.


Wind insurance may seem like an unnecessary expense, but in areas prone to strong winds, it can be a lifesaver. It provides the coverage you need to protect your property and finances from the devastating effects of wind-related events. If you’re unsure whether wind insurance is right for you, contact your insurance agent to discuss your options and get the coverage you need.