Homeowners Insurance Cover Wind Damage: Wind damage can strike without warning—tearing off shingles, breaking windows, and even toppling trees onto homes. After the storm clears, many homeowners are left asking: Does my insurance cover this? At Grun Law, we help homeowners understand their policy rights and fight denied or underpaid claims.
When Wind Damage Is Covered
Most standard homeowners insurance policies do cover wind damage. This typically includes:
– Roof damage (missing shingles, structural harm)
– Broken windows from flying debris
– Siding and fencing damage
– Fallen trees that damage your property
– Coverage may also apply to detached structures like garages or sheds.
When Wind Damage Might Not Be Covered
Some policies have exclusions or special deductibles. You may not be covered if:
– You live in a high-risk wind or hurricane zone
– The damage is due to lack of maintenance
– The policy has a high windstorm or hurricane deductible
It’s important to read your policy carefully. Insurers sometimes classify wind-related water damage separately, which may require additional coverage.
What to Do After Wind Damage
– Document everything – Take photos and videos.
– Prevent further damage – If it’s safe, cover exposed areas.
– File your claim quickly – Time matters.
– Get legal help if needed – If your claim is denied, delayed, or underpaid, we can help.
How Grun Law Can Help
Insurance companies may try to minimize payouts or argue that damage was pre-existing. At Grun Law, we review your policy, assess the damage, and hold insurers accountable. Our goal is to ensure you get the full compensation you’re entitled to.
If you’re dealing with wind damage, don’t face the insurance company alone.
Contact Grun Law today for a free consultation.
Visit Grun Law to learn more about your rights and how we can help.
