Wind Insurance in Beaufort, NC

High winds can uproot trees, down power lines and cause fallen tree branches. These events can create hazards on your property or damage the physical structure of your house. Fortunately for homeowners, wind insurance can help pay for property damage caused by covered windstorms. Contact Willis Insurance to learn more about wind coverage.

Does Homeowners Insurance Cover Wind Damage?

A standard homeowners insurance policy may cover wind damage to your house and other structures on your property. However, wind damages may be excluded from your homeowners coverage if you live in a high-risk area.

The following are some examples of areas that may be considered high risk for wind damage:

• Certain coastal areas
• Hurricane-prone areas
• Tornado-prone areas

If you live in a high-risk area, you may need to purchase a separate wind insurance policy to cover your house from wind damage. These policies may have a separate deductible that can be triggered under certain circumstances. How these deductibles are calculated and when they apply may vary. Speak to your agent to learn if wind damage is covered by your homeowners insurance policy and for more information on deductibles.

What Does Wind Insurance Cover?

Your wind insurance policy can provide financial protection from property damage caused by the winds from tornados and hurricanes, gales and other windstorms. Depending on the policy, coverage for hail damage may also be offered.

Wind insurance typically helps pay for physical damage to your belongings and dwelling caused by a covered event.

The following are examples of items that wind coverage may help pay to repair or replace:

• Your roof
• Your belongings
• Your windows and doors

Other structures on your property (e.g., detached garage or swimming pool) may also be covered depending on your policy. If not, additional coverage may be recommended. You may also want to consider coverage for floods.

How Much Does Wind Insurance Cost?

If you’re buying a separate wind insurance policy, your rates may vary with several factors, such as the following:

• Your location
• The age of your home
• The cost of rebuilding your home
• Any damage-mitigating strategies you’ve taken (e.g., installing hurricane shutters)

The agents at Willis Insurance are here to help. Contact us to learn more about our wind insurance policies and to speak to an insurance agent. We have offices in Beaufort and Morehead City, North Carolina.