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Is wind damage to my roof covered by insurance?

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Wind Damaged Roof
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Daniel Shambayati

The sound of the wind howling and the sudden crash of something hitting your roof, or worse a large tree, can be a terrifying experience. The last thing you want to worry about is having to pay for damage caused by the wind. Fortunately, most homeowner’s insurance policies cover wind damage to your roof.

What’s considered wind damage?

Strong winds known as straight-line winds from a tornado, hurricane, or severe thunderstorm can leave behind damage to your roof. Especially edges and corners, where wind can get underneath and push up shingles and other materials. The wind can grab and push entire sections off creating a chain effect. Here are the most common damages roofers see. 

  • Loose or missing shingles
  • Curled shingles
  • Fallen trees
  • Holes in roof
  • Damaged soffits and fascia boards
  • Entire sections of the roof removed
  • Exposed roof decking
  • Interior damage from water intrusion 

You can take a deep breath

Although homeowners and business owners hope to never experience a damaging storm, it is a relief to know that wind damage to your roof is covered by insurance. This should allow owners to feel secure knowing that they are protected in the event of damaging winds.

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