Definition - What does Windstorm Insurance mean?
Windstorm insurance covers damage to a property from heavy winds like from tornadoes and hurricanes. This coverage only pays for wind damage. If other damage occurs during the storm, such as from flooding or heavy rain, the windstorm insurance won't pay for these damages.
Windstorm insurance is not part of a normal homeowners' insurance policy. If someone wants this coverage, they need to buy an extra rider for their policy known as an extended coverage endorsement.
Insuranceopedia explains Windstorm Insurance
Windstorm coverage can be a little hard to find in areas that are considered to be at high-risk for hurricanes or tornadoes. This is because one big storm can damage many homes through the region and create an insurmountable loss for the insurance company. As a result, state governments set up agencies to provide coverage for homeowners in high risk areas.