Windstorms are weather events that produce strong winds and violent gusts accompanied by very little or no precipitation. Hurricanes, cyclones and tornados are often classified as windstorms as are any events that include heavy winds strong enough to cause significant property damage. Many states have provisions for windstorm insurance riders that can be purchased by homeowners to cover damage to property and personal belongings.
Windstorm insurance is a special type of property and casualty insurance designed to cover damages caused by high winds. Windstorm insurance may cover damages from hurricane-force winds, tornados, hail and other weather events that are accompanied by wind gusts that exceed 35 miles per hour.
In some cases, homeowners insurance policies will cover damages caused by heavy winds, but in many states where wind damage is common, insurance companies may require homeowners to purchase a separate windstorm insurance rider to provide coverage for damages. It is very important that you are aware of what is and what is not covered by your homeowners policy.