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Generally speaking yes. Windstorm is covered by your homeowners policy, but maybe treated separately by your policy as well. For example if you live in a coastal area wind coverage may be excluded and you obtain what coverage is available through a pooling arrangement such as a wind pool. For Example if you live in Galveston  Texas you might you need three policies where as an inland customer would only need one.In Galveston your wind policy might be through the Texas Wind Insurance Association  , your regular homeowners policy in the private market (exclusive of wind). You may also be required to have a flood policy ( from the National Flood Insurance Program) because your insurer does not want to see you in a dilemma of having one group say the damage was caused by  wind borne water and another saying it is flood coverage after the loss. To keep your understanding of what is necessary visit with your agent and discuss your personal situation.
One other thing I should mention is that depending on where you live you may have a separate , hurricane deductible, wind and hail deductible, named storm deductible. These are often per cent deductibles and can mean a substantial  out of pocket costs in the event of a windstorm. They are not exclusively used in hurricane prone areas. For example in Austin Texas you might have a $1000 deductible for most homeowners coverage (perils), but 1 % wind and hail deductible even though Austin is over 200 miles to the Gulf.
Answered on December 23, 2013
Posted 12:30 AM

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