In Florida, wind is more than just a strong breeze. During hurricane season, it can become a destructive force capable of tearing off roofs, toppling trees, or shattering windows. The real concern isn’t just the damage itself, but the shock many people experience when they find out their insurance doesn’t cover what they thought it did. Having an active policy isn’t enough—you need to understand what type of coverage you have, what it includes, and what it doesn’t.
What Is Considered Wind Damage?
Wind damage refers to any direct impact caused by strong wind gusts, such as those that occur during:
- Hurricanes
- Tropical storms
- Tornadoes
- Hail events or severe cold fronts
Some common examples include:
- Shingles blown off or entire sections of roof lifted
- Windows and doors shattered due to wind pressure or flying debris
- Fallen trees damaging roofs, fences, or other structures
- Leaks and water intrusion through new cracks caused by wind
Although these may seem like typical scenarios, the reality is that not all insurance policies cover them—and if they do, it may be with special conditions or higher deductibles.
What Type of Policy Do You Have? Key Differences Between HO and DP
In the United States, there are different types of insurance policies to protect properties. The most common are called HO (Homeowners) and DP (Dwelling Property). Here’s a quick guide:
HO Policies: Designed for Property Owners
|
Policy |
Who is it for? |
Covers wind damage? |
General coverage |
|
HO-1 |
Homeowners |
Yes, basic |
Only 10 specific named perils |
|
HO-2 |
Homeowners |
Yes, moderate |
Covers more perils than HO-1 |
|
HO-3 |
Owner-occupants |
Yes, comprehensive |
Covers almost everything except exclusions |
|
HO-4 |
Renters |
Only personal belongings |
Does not cover the structure |
|
HO-5 |
Owner-occupants |
Yes, “open peril” |
Covers nearly everything unless excluded |
|
HO-6 |
Condo owners |
Yes, internal structure |
Does not cover the whole building |
|
HO-7 |
Mobile homes |
Yes, similar to HO-3 |
Adapted to mobile homes |
|
HO-8 |
Older homes |
Yes, limited |
For homes with complicated replacement value |
HO-3 and HO-5 policies are the most recommended if you own and live in the property, as they cover wind damage, attached structures, and personal belongings. HO-5 is especially valuable with its “open peril” format, meaning it covers everything unless specifically excluded (like earthquakes or floods).
DP Policies: For Rental Properties
DP (Dwelling Property) policies such as DP-3 are designed for properties not occupied by the owner (e.g., rental homes). These policies may include wind protection, but:
- They do not cover the tenant’s personal belongings (tenants should have their own renter’s insurance).
- Coverage for additional structures is not automatic.
- Loss of use coverage is usually calculated as lost rental income, not alternate housing expenses.
|
Coverage Area |
DP-1 |
DP-3 (non-owner occupied) |
HO-3 (owner-occupied) |
|
Main Structure |
✅ |
✅ |
✅ |
|
Other Structures |
✅ |
✅ (may require endorsement) |
✅ |
|
Personal Belongings |
❌ |
❌ (optional) |
✅ |
|
Loss of Use |
❌ |
✅ (rental value) |
✅ (alternative housing) |
|
Liability Protection |
❌ |
❌ (optional) |
✅ |
What Does Wind Damage Insurance Typically Cover?
Depending on the type of policy, here are the damages that are commonly covered:
✅ Frequently Included:
- Structural damage caused by strong winds or gusts
- Roofs lifted or blown off
- Falling objects hitting the house (such as tree branches or poles)
- Hail and lightning storms
- Vandalism, theft, smoke, explosions
❌ Not Included Unless Added Through Endorsement:
- Flooding (requires additional coverage such as NFIP)
- Earthquakes or landslides
- Damage caused by pests, rodents, or mold due to poor maintenance
- Intentional damage or negligence
Important:
Some policies may include special hurricane deductibles, which are higher than standard deductibles. This means you could be required to pay several thousand dollars out of pocket before receiving any compensation.
Common Mistakes That Can Cost You
During storm season, it’s easy to make mistakes that can lead to major financial losses. Here are some of the most frequent ones we see:
- Not knowing what type of policy you have or what it covers: Many people have no idea if their policy is an HO-2, HO-3, or DP-3.
- Assuming everything is covered without checking exclusions.
- Overlooking special deductibles for hurricane or wind damage (which can range from 2% to 10% of the insured value).
- Calling the insurance company directly without seeking professional advice. Consulting with an expert before contacting your insurer can make all the difference.
- Making repairs without documenting the initial damage with photos and videos.
What to Do If You Suspect Wind Damage to Your Home
Take quick but informed action:
- Visually inspect your property: Check the roof, windows, exterior walls, and any additional structures.
- Document everything with photos and videos, including minor damage.
- Avoid cleaning or repairing anything until a professional has reviewed it.
- Review your policy and look for terms like “windstorm,” “hurricane deductible,” or “named storm.”
- Schedule a free inspection with a Public Adjuster to determine if you’re eligible to file a claim.
Conclusion: Understanding Your Policy Can Save You Thousands
Having insurance is not enough. What truly matters is understanding what your policy covers and how to use it properly. A mistake in interpreting your policy could cost you thousands of dollars—or leave you without help after a storm. The good news? You don’t have to figure it all out on your own.
At Let Us Claim, we’ve been helping homeowners like you for over 16 years to understand their coverage, assess damages, and file successful claims with insurance companies.
Feeling lost? Let Us Claim is here to guide you with no obligation.
If you’re not sure where to start or have questions about your policy, schedule a free review with our team. We’re here to help you protect what matters most.
