Windstorm insurance is a special type property and casualty insurance designed to cover damages caused by high winds. Windstorm insurance may cover damages from hurricane-force winds, tornadoes, hail and other weather events that are accompanied by wind gusts that exceed 35 miles per hour.
Wind and Hail Coverage pays for damage to structures and personal property damaged by windstorm or hail. Wind/Hail-only policies include protection for both the home and the property that it sits on, as well as other buildings or structures on the property. Wind-only policies also provide protection for most items located within the home or other structure.