Windstorm Coverage
Windstorms in insurance are considered a named peril, or something bad that could happen to your property that your renters or home insurance will cover.
Windstorms in insurance are considered a named peril, or something bad that could happen to your property that your renters or home insurance will cover.
Breaking down windstorms in insurance
Windstorms – grouped with hail on most basic renters or homeowners insurance policies – are one of the bad things your insurer will cover you for if it damages or ruins things you own.
You’re probably thinking, “Well, great I’m covered for windstorms… but what in the world is a windstorm?” And that’s totally justified. It’s not like you open your weather app and see “high chance of windstorms today.” 😉
In the insurance world, windstorms refer to high winds, cyclones, tornadoes, and hurricanes.
Exceptions to windstorm coverage
While windstorms are a named peril, there may be a few exceptions, depending on which state you live in.
We’re talking things like:
- Your insurer might not cover damages as comprehensively as they would in other states (in this case, you’d have to purchase extra coverage or get an endorsement for more protection)
- Your insurer might have a separate Hurricane or Windstorm Deductible (for homeowners only)
You’ll be able to see all of this coverage stuff (what’s covered and what’s not) on the declarations page of your insurance policy.
Make sure to give it a good read to understand how much coverage you have and what types!
Windstorms: what’s covered and what’s not
Your insurance policy probably has language similar to the following regarding your coverage for windstorms in the Perils Insured Against section:
“This peril includes loss to watercraft of all types and their trailers, furnishings, equipment, and outboard engines or motors, only while inside a fully enclosed building. This peril does not include loss to the property contained in a building caused by rain, snow, sleet, sand or dust unless the direct force of wind or hail damages the building causing an opening in a roof or wall and the rain, snow, sleet, sand or dust enters through this opening.”
Wow. That’s a mouthful.
Basically, your insurer is trying to say here that your policy will cover any damage to:
- Your building’s exterior (if you’re a homeowner)
- The stuff inside your place (if you’re a renter) if the damage is directly caused by wind from bad weather
Take note that, as per usual, you won’t be covered for anything solely water-related in these cases.
So, let’s say there was a cyclone that tore off the roof of your house, and also caused severe flooding. Only your roof and anything damaged from the rain that came in through your roof would be covered. None of the stuff damaged due to the flooding would be included.
Yeah, it gets complicated.
How are windstorm deductibles calculated?
In general, there are two ways insurers calculate how much homeowners will get on a windstorm claim.
It’s either a flat amount, or a percentage of your dwelling coverage (the amount of coverage you have on your actual property). While the flat fee is usually around $1,500 per claim, the percentage-based option ranges from 1% – 5%.
For example:
Let’s say there were strong winds that ripped the roof right off of your house. This caused $30,000 worth of damage to your garage and the stuff inside. Ouch. If you have $400,000 in coverage on your home, and your windstorm deductible is 1%, your insurance deductible would be just $4,000. That way, you’ll be receiving a check from your insurer for $26,000. Phew!
When getting an insurance quote, make sure to double check your options for flat versus fixed rates, and make sure you’re getting enough coverage to suit the area you live in.
Reddit asked, we answered
Are there homeowner policies that don't cover tornado damage?
Most standard HO3 policies cover tornado damage since tornadoes cause windstorm damage, which is a covered peril. But some insurers in tornado-prone areas limit coverage, charge separate wind deductibles, or require separate wind coverage. Named peril policies might not cover tornadoes unless windstorm is explicitly listed. Check your policy for wind and hail exclusions, especially if you’re in Tornado Alley. Read the full thread on Reddit
What do I need to know about homeowners insurance in New Orleans and why is wind insurance now required?
Louisiana’s hurricane exposure means many standard insurers now require separate wind coverage or won’t write policies at all in high-risk areas. This shifts hurricane wind risk to specialized insurers or state programs. In practice, you may need a standard homeowners policy plus separate wind coverage through Louisiana’s Citizens program or a private wind insurer. This is increasingly common in high-risk coastal markets. Read the full thread on Reddit
What do I need to know about wind and hail insurance?
In most states, wind and hail coverage is included in standard homeowners policies. In high-risk areas like the Texas Gulf Coast or coastal New Jersey, separate wind policies through state programs or specialty insurers may be required. Some policies have percentage-based wind and hail deductibles rather than fixed amounts, which can mean significant out-of-pocket costs in a major storm. Know your deductible structure before something happens. Read the full thread on Reddit
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of the policies issued, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states. Please note that statements about coverages, policy management, claims processes, Giveback, and customer support apply to policies underwritten by Lemonade Insurance Company or Metromile Insurance Company, a Lemonade company, sold by Lemonade Insurance Agency, LLC. The statements do not apply to policies underwritten by other carriers.
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