Volume 168

DECEMBER 2020

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GORDIS ON INSURANCE:

Windstorm or Hail

Windstorm or Hail

There is no requirement that wind attain any minimum velocity. However, there is no liability for loss or damage caused directly or indirectly:

  • By frost or cold weather
  • By ice, or snowstorm, whether driven by wind or not. The only exception is hail.
  • By rain, snow, sand, or dust to the interior of any building or to the property inside the building unless wind or hail first damages the roof or walls of the building. If the building is damaged in this way, the policy pays the ensuing loss caused by the rain, snow, sand, or dust entering through the openings in the building made by the windstorm or hail.
  • To trees, shrubs, and plants on a vegetated roof but only when caused by hail.
  • As an option, losses caused by windstorm or hail may be excluded from the policy, with a corresponding reduction in the basic loss cost or rate.