Is Wind Damage Covered Under Your Homeowners Insurance Policy?

Wind Damage is typically covered by your Homeowners Insurance Policy.  You can confirm this by reviewing your policy to confirm that wind is noted as a covered peril, if your policy is “all-risk,” or if there is any explanation for windstorms.  If your policy covers, there are two primary types of protection to look for regarding your property: (1) dwelling coverage, which protects the structure of your home such as repairs to your home’s roof, windows, or siding; (2) personal property coverage, which assists with the cost of replacing any personal contents damaged by wind within your home’s structure.   Please keep in mind that all coverage is subject to limits.  If you have coverage for wind damage a deductible will typically apply.  A deductible is the amount you pay out of pocket toward damage or a loss prior to the insurance company paying for a claim.  Anyone telling you that they can waive or work with you on their deductible is potentially breaking the law.  Hurricane Ian has brought about all sorts of actors, good and bad, but one this is for certain, anyone that claims they waive your deductible is not someone you want to work with.  Call Quattrochi, Torres, Taormina for a FREE Consultation