Property · Insurance Term
Windstorm Exclusion (Wind/Hail Exclusion)
Definition
A windstorm exclusion removes wind and hail damage from a property policy, so the policy covers fire and other perils but not wind. It is common on the Texas coast, where owners buy wind coverage separately through TWIA or a dedicated wind policy.
In Plain English
An ex-wind policy covers everything else the policy normally would, such as fire, theft or water damage, but not wind or hail. That leaves a gap unless you buy separate wind coverage.
In the Texas Catastrophe Area, owners often pair an ex-wind policy with a TWIA policy. Others use private wind policies or difference in conditions coverage.
When two policies cover different perils, claims can involve both insurers, especially if damage comes from both wind and other causes.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: a beach motel has an ex-wind property policy and a separate TWIA policy. A hurricane damages the roof and a fire breaks out from a downed power line. TWIA may handle the wind damage, and the property policy may handle the fire damage.
Why It Matters for Texas Property Owners
Ex-wind policies are common along the Texas coast. TWIA generally requires applicants to first be declined for wind by a private insurer.
What to Watch For
- Check whether your property policy excludes wind and hail.
- Make sure separate wind coverage is in place before hurricane season.
- Line up limits and deductibles between your wind and property policies.
- Ask your agent how claims would be handled between insurers.
Common Questions
Why would I buy a policy that excludes wind?
On the coast, many private insurers will only write property coverage without wind. Owners then buy wind separately from TWIA or another market.
Does an ex-wind policy cover rain damage during a hurricane?
Usually not if the rain entered through wind-created openings, since that is treated as wind damage. Flood and storm surge also need separate coverage.
Sources
Last updated October 14, 2026 · Primesure editorial team · How We Write