The Importance of Windstorm Insurance for Coastal Homeowners

Wind may seem like an everyday occurrence that can chill in the winter and be refreshing during warmer days. However, during thunderstorms, tornadoes, hurricanes and other severe weather incidents, wind can wreak havoc on the exterior of your home. It may even lead to significant losses and damages inside as well. Given the frequency of windy conditions, particularly in coastal areas, and the potential financial consequences of being unprepared, responsible homeowners should take appropriate precautions, including acquiring and maintaining windstorm insurance.

What Is Windstorm Insurance?

As its name suggests, windstorm insurance is a type of coverage that can financially protect homeowners and their property from the consequences of wind damage. This insurance may be available as a standalone policy or as an endorsement for your homeowners insurance. Purchasing windstorm coverage is advisable as standard policies often exclude wind-related damage in high-risk areas, such as the coast. Regardless of how you procure coverage for windstorms, doing so can ensure you have access to the funds and resources needed to recoup your losses, repair your home and recover financially.

What Does Windstorm Insurance Cover?

The exact capabilities and limitations of windstorm coverage may vary, so you should work closely with a qualified insurance professional to weigh your needs and preferences against available options. Still, most windstorm policies can provide payouts to assist with the following losses and expenses:

• Dwelling damage, including your home’s roof, walls, windows and other structural elements
• Damage to other structures on your property, such as detached garages, sheds, gazebos and guest houses
• Personal property losses, such as the furniture, electronics, clothing and other contents of your home
• Loss of use costs, including if a wind event renders your home temporarily uninhabitable and you must pay for alternative lodging

How Much Does Windstorm Insurance Cost?

As with many types of coverage, windstorm insurance premiums may vary significantly depending on your unique circumstances. As insurance companies analyze your risk levels and provide quotes for appropriate policies, the following factors may be weighed:

• Location
• Structural details (e.g., the size and age of your home and construction materials used)
• Value of insured possessions
• Policy specifics (e.g., deductible and coverage limits)

When securing windstorm coverage, you should also be aware of additional deductibles that may apply. For example, while adding a windstorm endorsement to your homeowners insurance may be convenient, these arrangements may include a separate deductible for wind-related losses.

Get the Right Coverage

At Amato Insurance Group, we pride ourselves on having an extensive service record in Havelock, New Bern, Morehead and throughout North Carolina. Our dedicated team has the knowledge and experience to help homeowners in coastal areas address their windstorm insurance needs and secure robust financial protection. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.