Does Insurance Cover Wind Damage?

Wind is a commonly covered peril in most homeowners policies, but the specifics, including your deductible, exclusions, and how much of the roof gets covered, depend entirely on your policy and carrier. Florida policies often have a separate, higher wind or hurricane deductible than the standard deductible. The only way to know for sure what your policy covers is to check with your agent or carrier.

Wind is usually a named peril

Most standard homeowners policies list windstorm as a covered peril, meaning damage directly caused by wind is generally eligible for a claim. That said, coverage can be affected by things like roof age, prior claims, maintenance condition, and specific policy exclusions, so this is not something you can assume applies the same way to every home.

The wind or hurricane deductible

In Florida, many policies apply a separate wind or hurricane deductible that is often a percentage of your home's insured value, commonly 2 to 5 percent, rather than a flat dollar figure. That can add up to a few thousand dollars out of pocket even on an approved claim, so it is worth knowing that number before a storm hits, not after.

What can complicate a wind claim

Insurers sometimes dispute whether damage was caused by wind versus long-term wear, especially on older roofs. This is where clear, dated documentation matters most. If a roof already had underlying issues before the storm, an adjuster may attribute some damage to pre-existing conditions rather than the storm itself.

What we can help with

We inspect your roof after a wind event and document what we find with photos and video, which helps support your claim with accurate information. We are not able to tell you what your policy will pay or guarantee any outcome, since that is determined by your carrier's adjuster based on your specific policy.