Wind Only Insurance can be purchased as a stand alone policy or in combination with a home insurance policy or a rental property policy.

Windstorm insurance policy protects against wind and hail only that includes Tropical Storm or Hurricane damage.

All claims as a result of wind would be covered under this policy

The wind only policy would be subject to either a Hurricane deductible if wind damage caused by a Hurricane or a Wind Only deductible for all wind claims as a result of wind damage not caused by a Hurricane

Frequently Asked Questions about Wind Only Insurance

DO YOU HAVE TO PURCHASE WIND COVERAGE FROM LOUISIANA CITIZENS?

No. There are other insurance companies that offer wind and hail only policies depending on the property location

WILL MY MORTGAGE COMPANY ACCEPT A WIND ONLY POLICY?

They will accept a wind only policy in combination with a property policy that excludes wind. You would purchase two policies. One for wind and One for all other claims. This is also referred to as a “split policy” option.

IF I DON’T HAVE A MORTGAGE CAN I BUY A WIND ONLY POLICY?

Yes. If you want to transfer all claims to your bank account except wind claims, you can purchase a wind only policy.