If you own a home, business, office, or other structure, there is no shortage of ways that you can be exposed to loss. The risk of loss from fire, hail, flooding, vandalism, or other occurrences is real. On top of these, you face a risk of loss from a windstorm, particularly if you live in the Midwestern part of the country. Even outside of this corridor, if weather conditions are right, it is possible to suffer significant losses from a windstorm. That is why we at Highmark Insurance bring you windstorm insurance policies.
What is Windstorm Insurance?
Windstorm insurance is designed to cover damage you may suffer from tornadoes, hurricanes, cyclones, and other types of storms. Although you may have homeowners insurance, the fact of the matter is that some policies exclude damage caused by windstorms. If that is the case with your coverage, you should obtain a good windstorm insurance policy.
How Does Windstorm Insurance Work?
Windstorm insurance works in a similar manner as homeowner’s insurance, except that you make claims on it only for damage coming out of a catastrophic storm such as a tornado, hurricane, or other similar event. After a storm, you should inspect your property closely to see if there has been any serious damage.
If you do find damage that will need to be repaired, you should contact your insurance agent and tell him or her about it. He or she will have further instructions guiding you through the process and helping you to quickly and easily get your claim on file.
Living in Brevard County, you know how destructive windstorms can be. Although they may not take place as frequently as other types of storms, the storms are unparalleled in their ferocity and ability to inflict serious damage in a short amount of time. You do not want to leave yourself exposed and without protection in the event of a hurricane, cyclone, or other similar storm.
A windstorm insurance policy is a fast and easy way to give yourself peace of mind. A good policy will leave you protected in the event of a windstorm, and yet will be quite affordable on your pocketbook.
Why Would You Need Windstorm Insurance?
You need windstorm insurance because the costs of damage resulting from this type of storm can be quite high. Wind gusts in these types of events can exceed 200 miles an hour, and nearly 85% of the damage that comes out of these storms is related to the roofing of a structure.
In addition to damage to your roof, a windstorm can break windows, hurl debris that causes damage, and even peel the siding off of your structure. Given the high cost of repairs, purchasing a sensible windstorm insurance policy makes sense.
Let Highmark Insurance Help You With Your Windstorm Insurance Needs.
If you’re ready to protect yourself from a potential windstorm, come see us. We have the tools at our disposal to ensure that we match you with the best policy for your situation. We are happy to spend some time with you, reviewing your risk factors and suggesting policies that may suit your needs.
If you are just not sure whether you need windstorm insurance we are happy to help you make the decision. We can review your property, alert you to potential issues that we see, and help to educate you so that you can make the best decision for yourself. We know that the decision to purchase insurance is one that requires a great deal of consideration and we do our best to make sure that you are equipped with the knowledge and information you need.
Give us a call, or come by our office, and let’s get started down the road to fully protecting your property!