Does my insurance cover wind damage?

Standard homeowner's insurance covers wind damage, including damage from hurricanes, tornadoes, and severe thunderstorms. This includes damage to your roof, siding, windows, and interior from wind-driven rain. However, in coastal areas, many insurers have separate wind or hurricane deductibles, typically calculated as a percentage of your dwelling coverage, often 1 to 5 percent. This means on a $300,000 home with a 5 percent hurricane deductible, you would pay the first $15,000. Review your policy for wind-specific deductibles and exclusions.