Does Homeowners Insurance Cover Wind Damage to a Roof?

If you have a metal roof, for example, you may need additional coverage or your policy may not cover wind damage.

On the other hand, if you have a fiberglass or vinyl roof, your policy may cover wind damage to the roof in certain cases.

Wind can cause a lot of damage to roofs. Depending on your type of homeowners insurance policy, you might have some coverage for wind damage to your roof.

Does homeowners insurance cover wind damage to a roof?

In most cases, homeowners insurance will not cover any damages caused by winds. This is because wind is considered an outdoor event that is not typically covered by homeowners insurance policies.

However, some policies do include coverage for wind damage. If you are unsure whether your policy includes coverage for wind damage, please contact your insurance company.

If you do suffer any wind-related damages, make sure to contact a professional restoration company to help repair the damage done to your home.

How homeowners insurance roof coverage works

When it comes to homeowners insurance, there are a number of things to know regarding wind damage to a roof.

  • Homeowners insurance policies typically cover wind damage to roofs if the damage was caused by a natural disaster, such as a hurricane.
  • Most insurers will not cover wind damage to a roof if it is not an essential part of the home. This includes areas such as porches and decks, but does not include areas such as garages or sheds.
  • Are there any walls or other structures next to the roof that could be damaged by wind? If so, your roof may be covered if those structures are considered an “attached structure.” An attached structure can include walls, fences, and any other related objects.
  • If the roof has been in place for an extended period of time (usually 10 years or more), it may not be covered unless it was specifically designed as a wind proofing system.
  • If your roof is made of metal, plastic, or other materials that can easily be damaged by wind, you may need additional coverage.

Keep in mind that your insurer may require you to submit a claim and provide proof of damage before they will cover the cost of repairs.

How roof coverage in your homeowners policy works

First and foremost, homeowners insurance policies typically only cover damage caused covered perils. So if your house is hit by a gust of wind during an ordinary storm, your policy probably won’t cover the damages.

Second, if your home is located in a high-risk area for wind, you may want to consider purchasing a separate policy specifically designed to cover winds and weather-related damage.

Third, your policy will likely only cover the amount of damage that is attributable to the wind. For example, if winds blew through your house and broke a window, your policy would likely cover the cost of replacing the window. However, if the winds also damaged your roof, your policy may not provide coverage for that damage.

Finally, make sure you read your policy thoroughly. Many homeowners policies include exclusions for wind damage that are not immediately obvious. For example, many policies exclude coverage for damage caused by flying objects (including falling leaves and branches). So make sure you understand all of the exclusions in your policy before filing a claim.

If you are unsure whether your roof is covered by homeowners insurance, contact your insurance company.

Signs of wind damage to your roof

If you have wind damage to your roof, there are some things you should watch for. Wind can cause your roof to leak, and it can also damage the roof’s tiles or shingles. Here are some signs that wind damage is happening:

  1. You see water seeping through the roof. This means that the roof is not waterproofing properly, and water is being able to get inside.
  2. You see cracks in the roof. This means that the roof is perhaps not strong enough to withstand wind pressure, and could potentially fail.
  3. You see tiles or shingles blown off of the roof. This means that wind has been strong enough to cause structural damage to the roofing material.

Preventing roof problems

If you’re a homeowner, it’s important to keep your roof in good condition so that you can avoid some major repair bills down the road.

Here are a few things to keep in mind when it comes to maintaining your roof:

  • Make sure your roof is properly installed and secured. A poorly installed roof can be a contributor to leaks and other problems.
  • Keep an eye on your roofing materials. If they start to show signs of wear or tear, replace them as soon as possible. Damaged roofs can lead to catastrophic damage, including storm damage and water infiltration.
  • If you have any concerns about your roof, contact a professional roofer. They can inspect your roof for signs of damage and recommend the appropriate repairs or replacements.

How to file a claim for wind damage to roof

Wind can cause a lot of damage to your roof, including tearing off shingles, bending or breaking rafters, and even causing the roof to collapse.

If you experience any of these symptoms due to wind damage, don’t wait to file a claim with your homeowners insurance company.

Here are some tips on how to go about filing a claim:

  1. Contact your homeowners insurance company as soon as possible after experiencing wind damage to your roof. Explain what happened and provide the documentation that supports your claim.
  2. Use photographs or videos to document the extent of the damage. This will help prove your case in the event of a dispute.
  3. Request an estimate from a professional restoration company to assess the repair or replacement needs of your roof. This information will help estimate the cost of repairing or replacing your roof.
  4. Submit a request for mediation with your homeowners insurance company if negotiations fail to resolve the dispute. Mediation may help reach an agreement on damages and payment schedules without having to go through litigation.

It may take some time for your claim to be processed, so be patient.

Tips to save money on a new roof

There are a few things that homeowners can do to save on their new roof costs.

Homeowners can compare different roofing materials and styles to find the best option for their home.

Homeowners can take advantage of Roofing Contractor Specials and discounts available from certain insurers.

Homeowners can make sure to have proper insurance coverage in place in case of wind damage to their home.

What is homeowners insurance?

Homeowners insurance is a type of insurance policy that protects homeowners and their belongings from damage or loss due to accidents, such as fires, floods, hurricanes, or windstorms.

It usually covers both the property itself and any personal possessions on it, such as tools and furniture. In some cases, homeowners insurance may also cover costs associated with repairing or replacing damaged property.

Many homeowners policies include coverage for wind damage to roofs. This type of damage can occur when wind blows through an open roofline and causes debris to fall onto the structure below, damaging the roof decking, rafters, or shingles.

If you have wind damage to your roof and don’t have homeowner’s insurance, you may be able to find coverage through a product like the National Flood Insurance Program (NFIP).

The Bottom Line

If your roof is damaged by wind, you may be able to get homeowners insurance to help cover the costs of repairs.

If your home is in an area that experiences high winds, it’s important to contact your homeowners insurance agent and inquire about whether or not coverage is available for wind damage to your roof.