What Does Wind Insurance Cover?

Structural Damage Coverage

Protects the structure of your home, including the roof, walls, and foundation, against damage caused by high winds, helping you repair or rebuild after a storm.

Personal Property Coverage

Covers belongings inside your home, like furniture and electronics, if they’re damaged by wind-related events, so you can replace essential items.

Additional Living Expenses (ALE)

Helps cover temporary housing costs if your home becomes uninhabitable due to wind damage, giving you one less thing to worry about.

Structural Damage Coverage

Protects the structure of your home, including the roof, walls, and foundation, against damage caused by high winds, helping you repair or rebuild after a storm.

Personal Property Coverage

Covers belongings inside your home, like furniture and electronics, if they’re damaged by wind-related events, so you can replace essential items.

Additional Living Expenses (ALE)

Helps cover temporary housing costs if your home becomes uninhabitable due to wind damage, giving you one less thing to worry about.

Wind Insurance in North Carolina:

What You Should Know

Living in North Carolina means facing occasional severe weather, especially along the coast. Standard home insurance policies often don’t cover windstorm damage, which makes wind insurance essential for protecting your property from storm-related risks. Sizemore Insurance can help you find the right wind coverage, tailored to North Carolina’s unique weather challenges, so you can weather any storm with confidence.

Frequently Asked Questions

Is wind insurance required in North Carolina?

While it’s not required by law, wind insurance is often recommended for those in high-risk areas. We can help determine if wind insurance is right for your location.

Does wind insurance cover hurricane damage?

Wind insurance generally covers damage caused by high winds, including hurricane winds. We’ll clarify what’s included and help you understand your options.

How is wind insurance different from home insurance?

Standard home insurance may exclude wind damage, especially in coastal areas. Wind insurance provides specific protection for these types of events, ensuring you’re fully covered.

What types of properties are eligible for wind insurance?

Wind insurance is available for most residential properties, especially those in high-risk zones. We’ll help you explore the best options for your property.