Does Homeowners Insurance Cover Wind Damage? 
Short answer is yes it does . Wind is a normal covered peril in a standard Homeowners ' policy . Now , how the coverage is applied may vary a bit depending upon the location of your home . If you are located in a coastal community as opposed to inland , some Insurance Companies may require a higher deductible for wind damage coverage . Some consider it separately , others lump wind together with hurricane . It may also be handled differently in areas that are more subject to tornadoes . It is best to talk to your Insurance Professional about the specific terms and conditions of your policy . 