Does Homeowners Insurance Cover Wind Damage?

Homeowners insurance generally covers wind damage under certain conditions, including damage to your roof, windows, siding, and other areas, though you must meet your deductible first. Some exceptions also apply to wind damage claims. For example, you may need a separate policy if a hurricane damaged your home. Homes in high-risk areas, such as the Texas coast, may also require additional coverage.

You do not have to understand all your coverage options or manage a wind damage claim on your own. A Corpus Christi wind damage claim lawyer can tell you whether your homeowners insurance covers wind damage. They will examine your policy and its covered losses in detail. Learn more about how you can get the financial compensation you need and deserve during a free home insurance claim evaluation. 

Understand Your Wind Coverage Options by Reviewing Your Homeowners Policy

Filing a wind damage insurance claim and getting compensation can be complicated. In many cases, your standard homeowners policy should cover damage caused by strong winds. Sometimes, however, you might need to turn to another policy for compensation. 

The best way to understand your covered losses and homeowners coverage options is by having a Corpus Christi property insurance claims lawyer examine your policy. Give your attorney a complete copy of your home insurance policy. They will identify:

• Covered losses
• Named exclusions 
• Filing deadlines 
• Filing processes 
• Property inspections
• Insurance coverage limits

Your home insurance claim attorney will assess the type of wind damage your home withstood and identify its covered losses according to your policy’s details. They will also examine any optional coverage or separate policies that provide the compensation you need to restore your home with necessary repairs. 

Additional Policies That Could Provide Wind Damage Coverage

Winds strong enough to damage your residential property can occur for many reasons. Standard homeowners insurance policies usually offer coverage for wind damage. However, exceptions could apply if you live on the Texas coast. In that case, coverage might come from a specific type of policy for a residential coastal property.

Your Corpus Christi insurance claims lawyer will examine this policy and help you file an effective claim for compensation. 

Damages You Can Recover for Wind Damage to Your Residential Property in Texas

High winds in Texas can put every home in your area in jeopardy, which can lead to an influx of wind-related claims with local insurance providers. If your home suffered wind damage, a local attorney can help you seek the compensation you need to put your home and life back in working order. 

While every policy will vary, your lawyer can help you seek compensation for the following types of damage:

• Roof damage, including lost or torn shingles
• Damaged or destroyed windows or siding
• Damage to the structural integrity of your home
• Damage to your home’s gutters and downspouts
• Repairing or rebuilding your landscaping and outbuildings

Carefully document the damage your personal property sustained and any additional living expenses you incurred if your home was uninhabitable. These costs could also be recoverable via your homeowners insurance policy.

How to Document Wind Damage for Your Homeowners Insurance Claim

The home insurance claims process will require you to provide proof of the wind damage to your property. Your claim could require the following forms of evidence:

• Official reports related to the weather or other damaging event
• Photos of your property before and after the wind damage occurred
• Videos of your property damage from various angles
• Bills for tarping and other temporary repairs to protect your home from further damage
• Receipts for alternative living arrangements, including food and lodging
• A completed Proof of Loss statement detailing your property damage

Collect all the supporting evidence your claim needs and gather it into a case file. If you have a Corpus Christi homeowners insurance claim lawyer, they will do this for you while preparing your claim.

You Do Not Have to Navigate a Homeowners Wind Damage Claim on Your Own

If you purchased insurance to protect your home, you should be able to depend on its coverage when you need it. You do not have to go up against a huge insurance company alone. A property damage attorney can help you file a complete and accurate claim and fight for favorable compensation. 

An Attorney Can Help You Meet Required Notification and Filing Deadlines

Check your policy closely to understand notification deadlines and filing requirements. Failure to file on time could result in a claim denial.

Let a Lawyer Handle Communication With the Insurance Adjuster

Filing a claim can mean a myriad of paperwork going back and forth between you and the insurance company. In addition to the required claim forms, your attorney will handle all forms of communication, including:

• Email exchanges
• Phone calls
• Written correspondence

Your lawyer can also accompany you when the insurance adjuster inspects your property to ensure they do not overlook or omit any covered losses.

Your Lawyer Can Protect Your Rights as a Texas Homeowner

Texas Administrative Code Title 28 defines your rights and the insurance company’s obligations when you file a claim for wind damage. If your insurer commits any acts of bad faith, you could have the right to pursue additional compensation.

Acts of bad faith can include:

• Denying your claim without valid cause
• Failing to conduct a proper investigation
• Failing to communicate with you as needed

Your Corpus Christi bad faith insurance claim lawyer can take legal action against an unreasonably low settlement offer or outright denial of a valid claim. According to Texas Civil Practice & Remedies Code Section 16.003, you generally have two years to file a bad faith insurance lawsuit.

Get a Free Review of Your Homeowners Insurance Claim

If heavy winds damaged your home, your homeowners insurance policy should cover the costs of necessary repairs. Our law firm can examine your damage and your home insurance policy. We will also clarify when homeowners insurance covers wind damage and when you require additional coverage. 

Learn more about our legal service and support and how hard we will go to bat for you. Contact our consultation team at Carrigan & Anderson, PLLC, today for your free claim evaluation.