{"id":882,"date":"2010-07-23T12:24:51","date_gmt":"2010-07-23T16:24:51","guid":{"rendered":"http:\/\/www.noyeshallallen.com\/?p=882"},"modified":"2017-11-09T08:52:38","modified_gmt":"2017-11-09T14:52:38","slug":"does-your-maine-insurance-policy-cover-wind-damage","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/does-your-maine-insurance-policy-cover-wind-damage\/","title":{"rendered":"Does Your Maine Insurance Policy Cover Wind Damage?"},"content":{"rendered":"

The National Weather Service confirmed on Thursday what many Mainers knew Wednesday night: tornadoes touched down in southern Maine<\/a>, causing widespread damage. Our\u00a0Maine insurance agents <\/a>have\u00a0been busy answering clients’ questions about damage ranging from fallen trees to wind damage – even lightning damage. Their first question, of course: “Does my insurance cover my windstorm damage?”<\/p>\n

Whether you have\u00a0Maine homeowners insurance<\/a>, auto insurance<\/a>, or business property insurance<\/a>, the answer is usually “yes”, subject to the level of property coverage and deductible on your policy.<\/p>\n

Windstorm Coverage in Maine<\/strong>
\nA tornado is just wind – vicious, frightening, powerful, damaging wind whirling in a funnel cloud. Many insurance policies cover wind damage to buildings or vehicles. It doesn’t matter if it’s caused by a gale, nor’easter, tropical storm, \u00a0hurricane, microburst or tornado. Some limited policies exclude wind damage – again, it doesn’t matter what kind of storm caused it.<\/p>\n

Types of Wind\u00a0and Storm\u00a0Deductibles
\n<\/strong>Every property and auto policy has a deductible.\u00a0On\u00a0personal and\u00a0commercial vehicle\u00a0\u00a0insurance<\/a> policies,\u00a0wind is covered\u00a0if you purchase “other than collision” (sometimes called “comprehensive”) coverage.\u00a0\u00a0This coverage varies by vehicle.<\/p>\n

Some property insurance policies have specific deductibles for wind. In Maine, it’s common to see these types of storm deductibles (from least to broadest insurance coverage):<\/p>\n