Wind and Hail Insurance

When recommending adequate insurance for your home, Tanenbaum Harber considers such perils as natural disasters. In case you purchase property in an area that is prone to hurricanes or floods, it is vitally important to have sufficient coverage to protect a home or real estate investment from considerable damage. Wind and Hail Insurance will cover the cost of rebuilding your home in case hurricane damages the building. This coverage will protect you against wind, wind gusts, hail, rain, tornadoes, or cyclones caused by a hurricane. These disasters may result in direct physical loss or damage to property. Hailstorms may not result in the catastrophic damage often associated with windstorms or fire, but are still likely to result in significant damage to the roof of the building.

If your property is located in a coastal county, your policy may exclude coverage for wind and hail damage. In this case, to be protected, you will need to obtain Wind and Hail coverage separately from the wind pool.

Homeowners can purchase Wind and Hail Insurance with a deductible based on a percentage of your Total Insured Value (TIV).

Note that there are certain ways that can help reduce damage in the event of wind and hail. Such areas as the roof, the windows, and the doors of your home can be improved to help mitigate losses in the event of a hurricane and prevent a structure from being penetrated by the wind, water, sand etc. Precautions to prevent or minimize damage from loss can lower your premiums.