Frequently Asked Questions

Personal Insurance: Home Insurance

Claims

WIND DAMAGE ~ Am I Covered?

We want you to know how your Homeowners policy responds to the most common types of wind damage claims.

460681_10150736470211543_793505512_o.jpgAlthough the Pacific Northwest escapes the threat of hurricanes, the region is no stranger to strong, damaging winds. Each fall and winter season, several low pressure systems impact the Pacific Northwest, producing strong winds up to 60 mph. The powerful winds blow off roofs, damage vehicles and fences, up-root trees, and blow outdoor items and debris everywhere.

Click on each question below for the answers to these common and important questions. Think you know the answers? You may be surprised!

  1. The wind blew off part of my roof - will my Homeowner’s policy cover it?
  2. The wind blew down my fence – is it covered by my Homeowner’s policy?
  3. My tree blew down and damaged my neighbor’s car – am I liable for the damage?
  4. My big tree blew over and fell in my yard – will my homeowner’s policy pay to have it removed?

NOTE: "Windstorm" is a covered peril for losses under most property forms: HO-2 (Broad form), HO-3 (Special form), HO-4 (Renters form), HO-5 (Deluxe form), HO-6 (Condo-owners form) and similar property forms containing Special and Broad Form coverage. However, the rarely used HO-1 or Basic property form does not provide coverage for wind. In gulf states and areas subject to hurricanes, wind coverage may be restricted or obtained by endorsement for additional premium.

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FAQ Disclaimer

The content of FAQ articles are general in nature and are not intended as a substitute for professional legal, financial, or insurance counsel for individuals. Insurance coverage forms vary by issuing company and by state. For specific advice contact us.

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Lewiston, ID 83501

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Moscow, ID 83843

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