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Exclusions

Windstorm or hail exclusion wording and examples

Windstorm or hail exclusions remove coverage for loss caused by or resulting from windstorm, hail, or both under the affected coverage form. These forms exclude certain wind or hail losses but preserve different exceptions for resulting loss.

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Coverage classification

Form type
Exclusions
Product lines
Commercial PropertyHomeownersCommercial AutoGarage

Compare Windstorm or hail exclusion forms

Windstorm or hail exclusion forms compared by Intent, Application, Resulting loss
FormIntentApplicationResulting loss

Obsidian Insurance Company

Windstorm or Hail Exclusion

OIC-MH-CW-X-0006 (0626)

Mobile Homeowners

Deletes the windstorm or hail peril and excludes loss caused, contributed to or aggravated by wind or hail.Applies under the property coverage of the specimen form.Does not apply to direct fire or explosion loss resulting from windstorm or hail.

Southern Farm Bureau Casualty Insurance Company

Windstorm or Hail Exclusion

CP 10 54 06 07

Commercial Property

Excludes wind or hail loss at locations indicated in the schedule.Also addresses rain, snow, sand or dust loss that would not have occurred but for windstorm or hail.Retains coverage for a resulting covered cause of loss other than rain, snow, sand or dust, subject to policy terms.

Notable clauses

“this exclusion does not apply to direct loss by fire or explosion resulting from windstorm or hail”

Obsidian Insurance Company · Windstorm or Hail Exclusion · OIC-MH-CW-X-0006 (0626)

Fire or explosion. The form preserves this direct ensuing-loss exception.

“that resulting cause of loss is a Covered Cause of Loss”

Southern Farm Bureau Casualty Insurance Company · Windstorm or Hail Exclusion · CP 10 54 06 07

Resulting covered cause. The form retains coverage for a resulting covered cause other than the listed rain, snow, sand or dust, subject to its terms.

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