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Fire damage refers to the physical damage to a property because of burning. This damage may either be directly caused by the flames or could occur due to smoke and other corrosive substances emitted by the fire.
A water damage clause is a provision in a property insurance contract that details whether the insurer covers water damage to the property, and if so, under which circumstances and for how much. Usually, most homeowners and renter policies include such clauses.
Windstorm insurance is a subset classified as a casualty-property insurance that provides protection to persons and property against the damages of windstorms. This policy is a supplementary benefit and may be added to the main homeowners’ policy for an additional premium.
Property loss and damage due to natural disaster called a hurricane. Coverage for damage from hurricane winds might be included in a homeowner's policy. Water damage caused by same might not be covered.