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Fire & Water - Cleanup & Restoration

Wind Damage Insurance Claims

9/1/2021 (Permalink)

Strong winds and hail can cause damage to a property in many ways. For example, strong wind can damage the shingles on your roof, knock over trees and send flying debris into your home through damage openings. A standard homeowners insurance policy covers damage caused by wind.

Some homeowners who live in states that are prone to hurricanes may have windstorm damage partially or completely excluded from their homeowner’s insurance. In those cases you would need to purchase additional coverage through:

  • An endorsement to your homeowners insurance policy
  • A separate windstorm and hail policy
  • Through your state’s FAIR plan
  • Through your state’s Beach plan

If you have windstorm damage through your homeowners insurance policy, file a claim with your insurance company. You’ll be responsible for paying your deductible. In some cases you may have to pay a “hurricane deductible” which is often a percentage of the coverage amount for your dwelling, typically between 1% to 5%.


SERVPRO of North Arlington is here for all of your restoration needs.

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