Every state has its high wind risks. Indeed, the risk for wind varies not just from state to state, but from town to town. Florida is no different.
The Sunshine State faces unique risks when it comes to wind damage. Oceanic winds and the possibility for severe weather could drive up the risk for wind damage. Florida property owners should consider how their property insurance covers wind damage. At times, they may need to invest in additional windstorm coverage.
Insurance for Windstorms
A windstorm is a weather occurrence that creates very high winds, but may not have accompanying precipitation. Britannica classifies windstorms as those that typically come with winds over 34 mph.
The way insurance covers windstorms often varies from policy to policy. Some policies may automatically offer windstorm insurance in their coverage. Others may offer windstorm coverage when the windstorm accompanies another weather phenomena. Florida law requires residential property insurers to offer a degree of windstorm coverage when the windstorm develops out of a hurricane.
However, some standard property insurance policies may not cover windstorm damage at all. Property owners may have to buy a rider for their insurance to cover windstorm risks.
What Windstorm Insurance Covers
Often, windstorm insurance can cover a variety of properties. These may include main buildings, as well as sheds, detached garages or swimming pools. The windstorm might damage walls, roofs, and even foundations, windows and chimneys. In the event of a windstorm, coverage should extend to these structures.
Keep in mind that windstorm coverage may not apply to damage caused by other weather. Should additional weather strike — such as a hurricane — property owners will need to check their insurance to determine how to claim the damage.
Preparing for Windstorms
Windstorm coverage usually comes with limits as to how much the policy will pay. To avoid exceeding these limits, policyholders should consider preparing ahead for potential risks. Securing property might help keep financial losses low.
- Make sure all buildings meet local structural safety codes. Safety codes help strengthen buildings and lower damage risks. Never build a structure that does not meet safety codes.
- Periodically check the windows, doors and other access points for strength and security.
- Check the property's foundation, roof and chimney for signs of deterioration. Repair any signs of problems immediately.
- Keep the property clear of dead shrubbery. Dead vegetation has a much higher risk of breaking and causing damage during high wind.
- Before wind threatens, secure the home. Bring items indoors that have a potential to become airborne.
Get coverage today. Call Fulton Agency, Inc. at (954) 752-8610 for a free, instant Florida windstorm insurance quote.