What is windstorm insurance, and how does it work?
Windstorms can cause severe damage to your home and personal belongings. Luckily, the coverage is included in your home insurance plan if you do not live in a high-risk area. However, the coverage limit may not be enough if you live in a high-risk wind area. ACU insurance services recommend buying additional coverage known as Windstorm insurance to protect your home and belongings.
What is windstorm insurance?
Windstorm insurance is a unique type of property-casualty insurance that protects your home and property from damage caused by winds, hail, tornadoes, hurricanes, gales, and other gusty hazards. The policy covers physical damage to the dwelling and personal property.
How does windstorm insurance work?
Windstorm insurance covers the dwelling and your possessions. Some policies also include the detached garage and shed. Most policies cover repairs of the damaged parts and replace damaged items in the house. Some policies require the policyholder to report the incident as soon as it happens, as there is a time frame during which you are allowed to file a claim. If you take too long, you may not be lucky to get compensation.
Who needs this policy?
If you live in a high-risk windstorm area, you are more susceptible to this kind of peril, and your insurance company may request you to buy extra coverage aside from what you have in your home insurance policy. If you are in the coastal parts of League City, TX, where tornadoes and hurricanes are likely to attack, you need windstorm insurance.
What else should you know?
Sometimes, the windstorm is followed by flooding or storm surges, but this policy does not cover floods. It would be best if you bought flood insurance separately to cover the damage caused by water. This policy does not obscure or replace a vehicle that is damaged by a blown tree branch or debris. Your comprehensive coverage in your auto insurance should cover this.
If you feel that you need to buy windstorm insurance in League City, TX, feel free to speak to us at ACU insurance services, and we will be happy to help.
