Windstorms are weather events that produce strong winds and violent gusts  that causes significant property damage.  They include events such as Hurricanes, cyclones, hail, derechos and tornados.  They can be accompanied by very little or no precipitation.

Windstorm insurance will cover damages to the building as well as to property inside the building that was damaged as a result.

Windstorm insurance is a special kind of Property & Casualty Insurance [or Commercial Building Insurance].  You can get windstorm insurance as a rider to your Property & Casualty Insurance. 

If you are the Property Owner contact your insurance agent to get covered.

If you are a Renter it may be required in your lease to get a commercial building insurance policy to cover your business equipment, or you can get this coverage on your own.

Windstorm/Hurricane insurance cost depends on factors such as how close your building is to the coast line and it's structural integrity.  Taking protective measures such as installing wind shutters on your doors and windows can reduce your premium and deductible.

Windstorm insurance does not cover damage done by water.  Flood insurance covers that.

When filing a claim for Windstorm insurance you must act quickly.  Most policies requires that you act quickly before further damage is done.  Do the following in order to protect your claim.

-Get evidence of the storm:  Get newspaper articles and tv news recordings of the storm.

-Record the damages:  take pictures or videos.

-Get multiple independent inspections:  hire several contractors to do an assessment of the damages.

-File a Claim:  File a claim immediately with your insurance company and request an early visit from their claims adjuster.  You can request at least three different claims adjuster if your claim is denied.