Hurricanes, High Winds and Homeowners’ Insurance
Hurricanes, High Winds and Homeowners’ Insurance
Winds come in a variety of forms. There are tornadoes, straight line winds, ‘Noreasters and hurricanes. The good news is that if high winds should damage your home, your homeowners’ insurance policy will likely cover the damage. This usually includes damage to roofs and siding as well as damage done from fallen trees. Winds are, in fact, one of the biggest factors that cause homeowners to file homeowners’ insurance claims. Depending on where you call home, you may experience a variety of winds during any given year.
The Midwest is known for the strength of its tornadoes, rated on the Fujita scale. An F0 tornado, known as a Gale tornado, ranges from 40-72 miles per hour. An F3 or Severe Tornado has winds ranging from 158-206. An F5 or Incredible Tornado has winds that range from 262-318 mph. Florida, known for its number of tornadoes generally has less severe twisters.
When it comes to hurricanes, winds must reach 74 miles per hour to become a level one. Level 2 hurricanes start at 96 miles per hour. Strong hurricanes begin at 111 miles per hour with Category 4 storms rated at 130 mph. Hurricanes reaching 157 mph or more are considered powerful Category 5 storms.
High winds, however, do not need to be accompanied by a tornado or hurricane to do damage. Winds as low as 40-60 mph can have damaging winds, much of it caused by blowing debris and falling limbs. High winds in especially wet conditions can be particularly damaging do to uprooted root systems. Tree damage can also be severe in areas that haven’t experienced high winds over several years. It is a form of Mother Nature’s trimming services.
If you are unsure of your homeowners’ insurance coverage or what wind-related coverage you may have, contact one of our independent insurance agents. They’ll review your current policy and seek out quotes that could potentially save you money. Get the peace of mind you deserve in high winds by contacting us today. We look forward to assisting you.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
First Jobs of Famous People
The Mundane Starts to Some Exceptional Careers
Sharpening the Marketing Axe For Your Business
How Using The Right Tools Can Take Your Business Marketing to The Next Level
Setting a Life Insurance Goal
You May Have Goals For Savings and Investments. What About Life Insurance?
Automotive British Speak
What The Brits Call Their Cars, Parts, and Features
The Benefits of Buying a New Constructed Home
See Why Many Younger Homebuyers are Choosing New Construction
When Did Super Bowl Halftime Shows Become Such a Big Deal?
For Years Traditional Marching Bands Served as Entertainment For NFL’s Biggest Game
Why You May Be Required to Have Business Insurance
While The Law May Not Require it, Other Factors May Dictate The Need For Business Insurance
Should You Have Life Insurance? HINT: Ask Your Spouse
Odds Are Your Spouse Would Want You to Have More Life Insurance Coverage
Changes in the Auto Industry You May Have Missed
The Brands, Models, and Features That Have Come and Gone
Six Things You Will Not Regret Splurging On
You Deserve to Have These Items Without Buyer’s Regret