Wind insurance is designed to cover damages caused by high winds over 35 mph. Windstorm insurance may cover damages from hurricanes, tornados, hail and any other weather events that are followed by wind gusts over 35 mph.
Some homeowners insurance policies will cover these heavy wind damages, but in many states where wind damage is common, insurance companies may require homeowners to purchase a separate policy.
Windstorm policies will typically cover damages to your home and personal belongings inside your home. Most policies will cover the repairs as long as you file the claim soon after the event.