Florida is known for its beaches, vibrant culture and year-round sunshine. Still, residents also grapple with the ever-present threat of unpredictable weather, particularly severe storms that can produce hail and powerful winds. In regions susceptible to these weather events, wind and hail insurance provides financial protection and peace of mind to homeowners.  

What Is Windstorm Insurance? 
Windstorm insurance, also known as wind and hail insurance, is a type of property insurance that provides coverage for damage caused by windstorms and hailstorms. This type of insurance is essential for homeowners and property owners in regions prone to severe weather conditions such as hurricanes, tornadoes and thunderstorms. 

What Does Windstorm Insurance Cover? 
Windstorm insurance can offer a range of coverage, including protection against various perils such as wind damage caused by tornadoes or strong gusts, hail damage to roofs, vehicles, and outdoor structures, and the expenses associated with debris removal after a storm. If your home becomes uninhabitable due to wind or hail damage, this insurance can also cover temporary living expenses, including hotel stays or rental accommodations. Moreover, it can extend coverage to structures on your property, such as sheds, garages or fences. Top of Form 

What Is a Wind and Hail Deductible?  
A wind and hail deductible is a specific type of deductible that applies to insurance coverage for windstorm and hail damage. Deductibles are the out-of-pocket expenses that policyholders are responsible for paying before their insurance coverage kicks in to cover the remaining costs of a claim. 

Why Is It Important to Have Wind and Hail Coverage? 
Wind and hail coverage helps provide protection against the high costs of repairing or replacing your home, belongings and other structures on your property that may be damaged by wind and hail. Contact Tanenbaum Harber of Florida to discuss your insurance needs. We can make coverage recommendations based on your specific situation.