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

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Five Recent Fads That Came and Went Quickly

Wow! What Was That? Oh, It Was the Latest Fad.

Are You Legally Required to Carry Business Insurance?

What Type of Business Insurance May Your Business Be Required to Carry?

Four Needs Life Insurance Can Help Fulfill

Life Insurance May Be More Versatile Than You Think

Car Insurance FAQ’s

The Questions We Hear Most Often Regarding Automobile Insurance

Five Quick & Easy Ways to Save on Homeowners Insurance

Saving Money on Your Homeowners’ Insurance May Be Easier Than You Think!

America’s Most Popular New Year’s Resolutions

This is the Time of Year to Resolve to Make Things Better.

Business Insurance for Professionals

A Must Read for Attorneys, Financial Planners, Accountants and Medical Professionals

Term Insurance: Big Protection at Affordable Rates

If You Are Entering a High Responsibility Portion of Life, Term Insurance May be the Answer

Seven Steps to Become a Better Driver Tomorrow

Yes, We Are All Good Drivers. Or Perhaps Not.

Are You Required to Carry Homeowners’ Insurance?

There Are Situations Where You May Have to Have Homeowners Insurance

Leave a Comment