Windstorm Insurance
Windstorm Insurance For Coastal North Carolina
Severe wind could damage any property in the right circumstances. Here in eastern North Carolina, we’re very familiar with the damage high winds, not to mention hurricanes and tornadoes, can do. It’s imperative that you protect your property with the correct windstorm insurance. However, your standard homeowners insurance might not offer you adequate coverage in some cases.
For help augmenting your home insurance with strong wind coverage, just contact Amato Insurance Group. We proudly serve the greater New Bern area, including Havelock, Morehead City, Cherry Point and Emerald Isle, and we understand how critical it is for our neighbors to have adequate windstorm coverage. Our expertise will help us help you get the strongest protection possible.
If you’re ready to get covered, then contact us at (252) 447 – 8178 or request a quote online now!
Common Windstorm Insurance Questions
What Is Windstorm Insurance?
Storm damage is commonly covered by homeowners insurance. However, many plans place limits on the types of storms they will cover. Therefore, if such high-wind events as tornadoes or hurricanes occur, you might find that the wind damage your home sustains will have limited coverage or none at all.
In these situations, you might need the added benefit of windstorm insurance. This coverage can extend your property insurance for wind damage and will provide you with much more secure benefits. As a result, you won’t face significant financial losses when wind damage occurs.
What Does Windstorm Insurance Cover?
Wind insurance works in tandem with standard homeowners insurance. It often includes:
- Dwelling coverage that will pay for the home’s replacement cost value, which is the cost to repair and rebuild the home at today’s prices.
- Contents coverage insures the values of your belongings inside the home.
- Coverage for hail damage in addition to wind damage.
Please note, wind insurance is not the same as flood insurance. You will have to buy separate flood insurance, usually through the National Flood Insurance Program (NFIP).
Is Windstorm Insurance Included In Homeowners Insurance?
While all homeowners insurance will likely cover certain wind damage, it might also limit coverage, too. This is particularly true in eastern North Carolina, where frequent hurricanes can bring high winds to the region and cause substantial damage.
Many standard homeowners policies include named storm exclusions or limit how much they will pay for damage from these events. To get the appropriate coverage, you might be able to buy:
- A policy endorsement that you can add to your standard home insurance.
- A separate windstorm insurance policy.
All policies will include limits and deductibles on what they will pay for property losses. Most windstorm policies (even when bought as home insurance endorsements) have separate deductibles called percentage deductibles. The deductible will be a percentage of your dwelling coverage limit, as opposed to a set value. Whether this deductible applies might depend on whether the wind damage arose as part of a named storm.
How Much Does Windstorm Insurance Cost?
Various factors, like your property value, chosen coverage limits and the windstorm risks in your area can influence the cost of your windstorm policy.
Amato Insurance’s expert agents fully understand how critical it is for you to be able to afford your policy, which is why we are committed to working with you to optimize your benefits and keep them in line with your budget. We’ll work with you to compare various windstorm policy options from numerous industry-leading carriers, and we can pinpoint the one that offers you optimized protection at all times.