tree blowing in the wind


Windstorm Insurance

About windstorm insurance


Wind & Hail insurance is usually included in the insurance policies providing coverage on a dwelling or commercial structure. Any type wind damage is insured whether due to tornado, hurricane, thunderstorm, etc.


Many insurance companies include wind coverage but with a higher deductible. Most companies use a percent deductible. Deductibles from 1% to 5% are common in coastal areas of South Carolina. For example, a home insured for $300,000 may have a 3% wind deductible. That equals a $9,000 deductible in event of a wind claim.

Insurance companies use different types of “wind” deductibles. Some use a wind deductible, applying to any type wind claim. Others use a named storm deductible, applying to any named tropical storm or hurricane (not winter storms). And some use a hurricane deductible, applying only to a hurricane.

To make matters a little more complicated, some companies apply the “wind” deductibles separately to building and contents while others just have the deductible applying to the building.

The coast of South Carolina is exposed to Atlantic hurricanes and, in areas on or near the beaches, some insurance companies are not willing to insure a structures against the peril of wind or hail. 

Wind & hail insurance may be purchased via a separate policy. Some private insurance companies offer a wind only product. South Carolina also has the South Carolina Wind & Hail Underwriting Association which is a mechanism to obtain wind and hail insurance.

To get started today, call a C.T. Lowndes & Company agent near you.


We provide Wind and Hail Insurance in Charleston, Mt. Pleasant, Summerville, Daniel Island, James Island, John's Island, West Ashley, Goose Creek, Moncks Corner, Walterboro, North Charleston, Isle of Palms, Edisto, Myrtle Beach and the surrounding area in South Carolina.

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