Myth #1: Wind Damage Is Automatically Covered
In California, wind damage is generally covered by homeowners insurance, but extreme weather events, such as strong gusts from wildfire-driven winds or severe storms, may trigger exclusions or higher deductibles. Some policies include specific limits or exclusions for wind damage, so it's crucial to review your coverage with an agent, especially as extreme weather increases due to climate change.
Myth #2: Roof Damage Means Full Replacement
Not all wind damage to roofs leads to a full replacement. If only a few shingles are blown off, insurance typically covers the repair of those specific areas. Full roof replacement is only covered when the damage is widespread or compromises the roof's structural integrity.
Myth #3: Wind-Driven Rain Damage Is Always Covered
Wind-driven rain occurs when rain is blown into a home by strong winds, causing water damage. However, not all policies cover this unless there is direct wind damage, like a broken window or roof. Always check if wind-driven rain is included in your coverage.
Myth #4: Fallen Trees Are Always Covered
If a windstorm causes a tree to fall on your house, your insurance will cover the damage. However, if a tree falls without damaging insured property (e.g., it falls in your yard), removal may not be covered unless your policy provides limited coverage for tree removal.
Myth #5: Wind Claims Are Paid in Full
Your payout for wind damage depends on your deductible and policy limits. Some California homeowners may have a separate windstorm deductible, which is often a percentage of the home's insured value. Be aware of this, as it can affect how much you’ll need to pay out of pocket before insurance kicks in.
Myth #6: Filing a Wind Claim Always Increases Premiums
Filing one wind damage claim, especially after a major storm, won’t necessarily increase your premiums. While multiple claims can lead to rate hikes, insurance companies also consider the severity of the storm and its impact on the area before adjusting rates.
Myth #7: You Don’t Need to Document Wind Damage
It’s essential to document damage before filing a claim. Take clear photos and videos of the damage, and keep receipts for any temporary repairs or lodging expenses, as they may be reimbursable by your insurance company.
Wind damage can be unpredictable, but understanding how your insurance policy covers it can help you recover more easily. If you’re unsure about your coverage, Barber Insurance Agency is here to guide you through your policy and ensure you're protected from unexpected wind-related events.