Who regulates homeowners insurance in West Virginia?

The West Virginia Offices of the Insurance Commissioner (wvinsurance.gov) licenses carriers and agents and handles consumer complaints.

Is flood insurance separate in West Virginia?

Yes — flood damage is excluded from standard HO-3 policies. West Virginia has one of the highest flood frequencies per capita in the eastern US — river-valley homeowners should purchase NFIP coverage at floodsmart.gov.

Is wind damage covered in West Virginia?

Yes — standard HO-3 policies cover wind damage from severe thunderstorms and straight-line winds, which are the most common cause of tree-fall and structural damage in WV.

Does West Virginia require homeowners insurance?

West Virginia law does not mandate homeowners insurance, but lenders require it as a mortgage condition.

How do I file a homeowners insurance complaint in West Virginia?

File a complaint with the West Virginia Offices of the Insurance Commissioner at wvinsurance.gov.

Homeowners Insurance in West Virginia

West Virginia faces significant flooding along its river systems — the state experiences some of the highest flooding frequency per capita in the eastern US — as well as severe thunderstorm and wind damage. The 2016 West Virginia floods were one of the state's worst natural disasters.

More West Virginia guides

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