Is Wind Damage Covered Under Homeowners Insurance?

A typical homeowners insurance policy includes coverage for wind damage to the main dwelling and other structures like garages. This applies to damage from windstorms, tornadoes, and straight-line winds. The policy generally pays to repair or rebuild these structures up to your policy's limits after you pay your deductible. It's designed to restore your property to its pre-loss condition.

Coverage usually extends to personal property inside your home that is damaged by the wind event. For example, if a tree branch breaks a window and rain ruins your furniture, both the window repair and furniture replacement may be covered. The key is that the wind must be the direct cause of the opening that allowed water in. Indirect water intrusion often has different rules.

Homeowners insurance does not cover flood damage, which is defined as water rising from the ground or from tidal surge. Even during a hurricane, if water enters from below, it's a flood claim. This is a critical distinction because you need a separate policy from the National Flood Insurance Program or a private carrier for that protection.

Conversely, if wind destroys part of your roof and rainwater pours in, that water damage is typically covered because the wind was the proximate cause. The subsequent repairs for the roof, ceilings, and damaged interiors fall under your policy's dwelling coverage. Prompt action to mitigate further damage, like tarping the roof, is often a policy requirement.

• Wind damage is covered, but flooding is not.
• If a storm surge or rising ground water enters your home, a flood policy is needed.
• Water damage from a wind-damaged roof is usually covered.
• Mold from unrepaired water damage may not be covered.
• Document all damage with photos before making temporary repairs.
• Contact your insurance agent promptly to start the claims process.

After wind damage, secondary water damage from rain is a major concern. Local water damage pros focus on stopping this damage from worsening. This mitigation process involves water extraction, structural drying, and removing unsalvageable materials. Their work helps stabilize the environment and provides detailed documentation that supports your insurance claim for the full scope of necessary repairs.

• Local water damage pros secure the property by boarding up openings.
• They extract standing water and use industrial fans and dehumidifiers for drying.
• Damaged drywall, insulation, and flooring are removed to prevent mold.
• The structure is cleaned and sanitized before reconstruction begins.
• They document the damage and mitigation process for your insurer.
• Final rebuilding repairs restore your home to its original condition.