Will Homeowners Insurance Cover Wind Damage? 
Homeowner policies typically cover wind damage to insured property . However , policyholders need to determine the deductible that will be applied in the event of damage from wind . For example , in Florida where wind is a particular frequency concern , carriers assign higher deductibles that are applied at settlement of a loss caused by wind . It is not uncommon for a deductible that is twice or more of the amount of dwelling coverage deductible for damage from other types of loss causes . The wind deductible is usually a lot higher than your standard homeowner policy deductible . Check with your local independent agency for a review based on your needs and budget . 