Under the homeowners policy, which situation is covered by windstorm?

Damage to a storm door blown off its hinges falls under windstorm coverage in a homeowners policy because it pertains directly to the physical force of wind causing damage. Homeowners insurance typically provides coverage for damages that result from strong winds, such as those experienced during a storm or hurricane, which can impact structures and possessions.

When a storm door is blown off its hinges due to wind, this scenario exemplifies a direct impact of wind as a peril, reinforcing the idea that the homeowners policy is designed to cover wind-related damage. This emphasis on the destructive capacity of wind is an essential aspect of home insurance protections. The other situations, such as damage from melting snow, leaking roofs, or rain damage from open windows, involve different perils or circumstances not directly attributable to wind and typically fall outside of the standard definition of windstorm coverage under such policies.