When is wind season for insurance?
Short answer. In insurance terms, wind season usually means the Atlantic hurricane season, June 1 to November 30, when named storm deductibles and coverage restrictions matter most. For roofs in North Georgia, though, much of the wind and hail damage comes from spring thunderstorms, roughly March through June, so homeowners should treat their roof and deductible as a year-round issue.
Why the season matters to insurers
- Named storm deductibles apply only to named tropical systems, which form during hurricane season.
- Binding restrictions: insurers commonly stop writing new policies or allowing coverage increases in an area once a tropical storm or hurricane watch or warning is issued. You cannot buy coverage or lower a deductible as a storm approaches.
- Wind pools and wind policies in coastal areas focus on this season.
Georgia's other wind seasons
- Spring: severe thunderstorms, tornadoes and the heart of hail season.
- Late fall and winter: a secondary round of strong storms and occasional tornadoes.
- Summer: pop-up thunderstorms with downbursts and lightning.
- Late summer and fall: tropical remnants that bring wind and heavy rain inland.
Hail history by zip code is at northgeorgiahailmap.com.
A pre-season checklist
- Before spring and again before June, find your wind and hail deductible in dollars.
- Check whether you have a named storm deductible and how it triggers.
- Photograph your roof and home exterior so you have a before record.
- Trim limbs over the roof and clear gutters.
- Have loose or missing shingles repaired, since wind exploits weak spots.
Related: percentage wind and hail deductibles, wind damage claims and Georgia Roof Guide on Georgia hail season.