Property · Insurance Term
Windstorm
Definition
Windstorm is a covered cause of loss on most commercial property policies for damage from strong winds, including hurricanes, tornadoes and severe thunderstorms. It often has its own deductible, and on the Texas coast it may be excluded and covered separately through TWIA or another insurer.
In Plain English
Wind damage includes roof damage, broken windows and damage from flying debris. Rain that enters through openings created by wind is often covered, while flood and storm surge are excluded.
Wind is often paired with hail and subject to a wind and hail deductible or named storm deductible.
On the coast, private policies may exclude wind, and owners get it through TWIA or a separate wind policy.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: a severe thunderstorm with straight-line winds tears part of the roof off a warehouse, and rain soaks the inventory. A policy covering windstorm may pay for the roof and the resulting water damage to contents, minus the wind deductible.
Why It Matters for Texas Property Owners
Texas faces hurricanes on the coast, tornadoes in north and central areas, and severe thunderstorms statewide. Coastal owners in the TWIA area often have separate wind coverage.
What to Watch For
- Confirm whether wind is included or excluded on each policy.
- Check your wind deductible amount and basis.
- Separate wind damage from flood or storm surge when filing a claim.
- Photograph your property before storm season.
Last updated October 14, 2026 · Primesure editorial team · How We Write