Windstorm Insurance
Coverage for damage caused by high winds, hurricanes, and tornadoes, which may be separate from standard homeowners insurance in high-risk areas.
Detailed Explanation
In coastal regions and areas prone to severe windstorms, standard policies may exclude or limit wind damage coverage, requiring separate policies or endorsements. These often carry higher deductibles calculated as a percentage of your dwelling coverage.
Practical Example
Living on the Gulf Coast, Jennifer's standard homeowners policy excluded windstorm damage, so she purchased separate windstorm insurance with a 2% deductible to protect her home against hurricane damage.
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