The short answer
Yes, usually. Wind is a covered peril under standard homeowners policies. Damage to your roof, siding, windows, fences and other structures from a windstorm is typically covered, minus your deductible.
The details matter most near the coast. Review your policy or talk with your agent to see exactly how wind is handled for your home.
Wind and hurricane deductibles
Many policies, especially in coastal and storm-prone areas, have a separate deductible for wind, named storms or hurricanes. It is usually a percentage of your dwelling coverage, not a flat amount. On a higher-value home, that can mean a much larger out-of-pocket cost than your regular deductible.
Some of these deductibles only apply when a storm is officially named. Your declarations page explains which applies.
When wind is excluded
In some coastal areas, carriers exclude wind from the homeowners policy. You then buy wind coverage separately, sometimes through a state-backed plan. Rules and options vary by state.
If you are buying near the coast, ask about wind coverage early. Your lender will need proof the home is insured.
Wind vs. water
This is where many storm claims get complicated. Rain that comes in through a hole the wind tore in your roof is usually covered. Water from storm surge, overflowing rivers or rising water is flood, which standard homeowners policies exclude. Flood needs its own policy.
Fallen trees
- A tree that falls on your home or garage is usually covered, along with removal up to a limit
- A tree that falls in the yard without hitting anything may not be covered for removal
- A healthy tree blown down is treated differently from a dead tree you left standing
After a windstorm
- Stay clear of downed power lines
- Photograph damage before you clean up
- Make temporary repairs, like tarping or boarding windows, and keep receipts
- Report the claim promptly
- Watch for unlicensed contractors going door to door
Getting ready for storm season
Check your deductibles and limits, trim weak branches and secure outdoor furniture. Upgrades like roof straps, impact-rated windows and storm shutters can reduce damage, and some carriers offer discounts for them. Keep photos of your home's exterior on file, so you have a before picture if you need to file a claim later.