Ah, Washington! Land of coffee, rain, and the occasional trampoline taking flight like a misguided UFO during a windstorm. So, let’s talk about wind damage coverage.
First off, most homeowner policies here are pretty solid. They’ve got your back when the wind decides to redecorate your yard or play bowling with your roof shingles. But, remember, it’s not just about the ‘whooosh’; it’s also about what the ‘whooosh’ brings along. We’re talking trees that suddenly believe they can walk, and yes, the legendary flying trampolines.
Now, if a trampoline decides to audition for the role of ‘Mary Poppins’ and lands on your roof, your policy usually steps in. It’s like, ‘Don’t worry, we’ve seen this episode before.’ They cover the damage to your house, maybe even the fence it crushed on its way down.
But here’s the kicker – if your own trampoline decides to go on an adventure and damages someone else’s property, you might need to check the liability part of your insurance. Because, let’s face it, nobody wants a neighborly dispute over a rogue trampoline.
And let’s not forget the ‘Wind-Driven Rain Ensemble’. This is when the wind plays maestro and directs rain to places it’s not supposed to be, like inside your house. Coverage here can get a bit tricky, but generally, if the rain’s invited in by wind damage, you’re covered.
One more thing – deductibles. In some cases, you might have a separate ‘wind deductible’. Think of it as the entry fee for the ‘wind damage club’. It’s often a percentage of your home’s value. So, if your home is worth a lot, maybe start a ‘wind deductible’ piggy bank.
In summary, yes, wind damage, including the acrobatic acts of trampolines, is generally covered. But policies vary, and it’s always a good idea to chat with your agent – especially if you own a trampoline. They might just have a frequent flier program!”
Always check the specifics of your policy and talk to your insurance agent for personalized advice, especially if your backyard has a trampoline with a mind of its own!
Trampolines are one of the risks that we like to chat about so that our clients better understand their policy.
topics:
#home #renters #deductible #wenatcheeinsurance
Topics: Home Insurance, Renter Insurance, Trampoline, Wenatchee Insurance, Washington, Wind Coverage, wind deductible, backyard, liability, shingles
