With unfortunate weather causing problems, an insurance policy may just be what you need to stay protected. Wondering what policy would be best for you? Read on Did you know? 1 in every 40 insured homes has a property damage claim related to wind or hail each year. Wind property damage is the third highest claim severity, after bodily injury/property damage liability and a house fire 25% of all homeowners claims are due to exterior wind-related damage.