How is wind damage paid out under the W/H policy?

Under a wind and hail (W/H) policy, the payout for wind damage follows a tiered scale based on wind speed. This means that the amount of compensation a policyholder receives is directly linked to the intensity of the wind at the time of the damage. For instance, if the wind reaches certain categorized speeds that are defined by the policy, the compensation will increase accordingly to reflect the severity of the damage caused.

This method of payout can incentivize homeowners to take preventive measures against severe wind damage, as they may benefit from higher compensation if they can minimize loss before windstorms hit. It also allows for a structured approach to claims, facilitating assessments on the extent of damage relative to documented wind speeds recorded during the event.

In contrast, the options pertaining to flat fee payments, claims being required for payments, or the lack of coverage altogether do not accurately represent how wind damage is compensated under standard W/H policies, which focus on the severity and classification of wind-related incidents.