Wind Damage Coverage: Is Your Savannah Home Insured This Hurricane Season?

Hurricane season continues through the fall, and Savannah, GA homeowners may still face risks associated with high winds and tropical weather. R.M. Bush & Company Inc can help you assess your windstorm insurance options.

How High Winds May Affect Your Home

Coastal Georgia homeowners may face more than surface wind damage during hurricane season. High winds can compromise your exterior, and the water that follows may penetrate walls, insulation and structural components in ways that are difficult to detect and repair. That risk is worth understanding before storm season arrives.

Understanding Windstorm Insurance

Standard property policies often come with wind and hail deductibles or exclusions that can lead to costs you did not plan for. A windstorm policy may cover:

• Damage to the roof, siding and windows, including repair or replacement costs when wind strips materials or causes structural compromise.
• Destruction caused by fallen trees or flying debris that strikes your home during a storm, including broken windows, damaged walls and entry points.
• Personal belongings inside your home when wind breaches the structure, allowing rain or debris to damage furniture, electronics and other items.

Filing a Wind Damage Claim: What to Expect

After a wind event, documenting damage promptly can affect how your claim is processed. Steps that may help include:

• Photographing or recording all affected areas
• Noting damaged belongings with descriptions and estimated value
• Making temporary repairs to limit further damage and keeping receipts
• Reporting the claim to your insurer as soon as possible
• Keeping records of all communications throughout the process

Get Insured Today

We’re here to help you find the right coverage. Contact R.M. Bush & Company Inc today to discuss your windstorm insurance options and get a free personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.