Several types of natural disasters, such as tornadoes and hurricanes, can cause harsh winds that damage your home. These disasters can rip the roof off your home or damage structures like sheds and garages. But will windstorm insurance cover the damage?

Windstorm Insurance Coverage

Windstorm insurance provides coverage if heavy winds damage the structure of your home. This includes the roof, doors, windows, and possibly other structures, such as a garage. Some policies also include personal property coverage, which provides protection for your belongings in the event of damage.

Many companies offer add-on coverage for items such as temporary lodging. It’s essential to speak with an agent at ACU Insurance Services to understand what your windstorm policy in League City, TX covers.

Other Natural Disasters Covered

Most windstorm policies cover other natural disasters that produce heavy winds, including hurricanes and tornadoes. Many policies don’t require the storm to be a named storm to provide coverage.

However, there are exceptions. Some insurance companies require specific hurricane insurance policies for homes located in areas prone to hurricanes. These policies offer more comprehensive coverage and may include stipulations, such as requiring homeowners to install hurricane-resistant doors or windows.

Deductibles

It’s common for insurance policies to have a deductible that must be paid before insurance kicks in. Some windstorm policies have a named storm deductible, which is higher than a standard deductible. It’s important to speak with an insurance company like ACU Insurance Services to learn the fine print of your policy before you need to file a claim.

We understand the importance of getting the coverage you need before a windstorm happens. Our knowledgeable agents will review your policy with you to ensure you have the necessary coverage. Contact us today to learn more. We’re currently serving the League City, TX area.