Buying wind insurance

In some coastal areas, homeowners are unable to buy coverage for wind damage because of their high chance of making claims. They often have to turn to “last resort” coverage.

• In Florida, Citizens Property Insurance Corp. offers wind-only insurance and also broader policies to homeowners who can’t buy it elsewhere.
• In coastal Louisiana, residents who can’t buy wind insurance on the standard market can turn to Louisiana Citizens Property Insurance.
• The North Carolina, the Coastal Property Insurance Pool offers windstorm, hail and other coverage for properties on the beach or coast.
• In South Carolina, the South Carolina Wind and Hail Underwriting Association provides insurance to homeowners on the beach who can’t get it elsewhere.
• In certain coastal areas of Texas, homeowners who are denied wind coverage can buy it through the Texas Windstorm Association.