Wind Only – In an effort to limit exposures in coastal counties, carriers may offer homeowners coverage without the peril of windstorm included. In cases like this, you can offer your client a separate Wind-only policy. This policy covers damage from hail and wind storms, regardless of whether the damage came from a named storm or everyday storm. There are no other perils covered with this type of policy.
Currently offered in North Carolina. When homes in the wind pool need higher limits for wind coverage they would need an Excess Wind Policy.