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Windstorm Insurance


Windstorm Insurance Quote Forms

Looking for coverage in Virginia or North Carolina? We work with multiple carriers to bring you the best coverage, best rates and best service.
 Click any of the following links to submit a quote for quick, accurate and affordable rates.

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Windstorm Insurance Customer Service Options

Richmond VA Insurance offers self-service on your policy (policies) any time of the day, directly from this website. To request a policy change on your account, click any of the following policy service options below. You may also call us at 804.320.5488, Monday through Friday, 9:00 a.m. - 5:00 p.m. or contact us online.  Richmond VA Insurance Agency welcomes the opportunity to make sure you have the insurance you need at the right cost.

Windstorm Insurance Information

Certain storms bring a high wind that exceeds the classification of what your home insurance policy covers. In these instances, you must have additional coverage in place to protect yourself. Windstorm insurance can provide coverage for the damage caused by high wind events such as tornadoes, hurricanes and cyclones.

Windstorm insurance can cover both the outside buildings and main structure of your property, as well as the inside contents. Windstorm coverage may not be automatically provided for in a standard home insurance policy, but it can be added through a rider or endorsement. Some, such as individuals living in zones that are prone to catastrophic winds, may find that they need a separate policy for adequate windstorm coverage. Often, this coverage will also pay for the damages associated with hail.

Generally, if you live in an area that is susceptible to high-wind storms and your home insurance policy does not automatically cover the damages they could cause, you will want to add this protection. Remember that if a flood occurs as a result of the storm, the windstorm coverage will generally not cover the damages. Instead, you’d need to look to your flood insurance policy.

Windstorm coverage added as a rider to your home insurance policy will generally have a separate deductible from the rest of the hazards covered by the policy (for areas prone to hurricanes, this may be referred to as a hurricane deducible). This amount is generally represented as a percentage of the policy’s overall limit. In order to determine which deductible applies to an individual event, your insurer might rely on the National Weather Service’s classification of the recent storm that caused the damage to your property. 

Contact us  or call our office at 804.320.5488 to learn more about windstorm insurance. We are happy to answer your questions and begin your insurance coverage today.  Randall Hall Insurance, located on Midlothian Turnpike in North Chesterfield,  is a full-service agency that cares about the community and is ready to serve your insurance needs.  





 
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10049 Midlothian Turnpike, Suite B | North Chesterfield, VA 23235 | 804.320.5488 Powered by Insurance Website Builder

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