Windstorm hazard refers to the risk that strong winds will damage a property during such weather conditions as a tornado, hurricane, or hail storm. Most homeowners' insurance policies do not cover windstorm damages because one strong storm can damage many properties at the same time and create too large of a loss for the insurance company.
Insurace companies may offer windstorm coverage as a rider to a homeowners' insurance policy or as a separate windstorm insurance policy. However, in some high-risk areas, private insurance companies refuse to cover windstorm hazard. In these areas, a state government agency usually sells windstorm insurance policies to make up for this lack of coverage.
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