Does Insurance Pay for Wind Damage To Roof?

Fallen tree on the roof of a home.

Protect Your Home from Storm Damages

Storm damage can inflict any property no matter how strong the roofing material may be. Although roofs like Metal roof installations are naturally more durable and resistant to high levels of inclement weather, it’s important to conduct inspections to your roof after a particularly severe storm just in case. It’s better to be safe and catch problems in their minor stages before the next storm comes and you suddenly see water leaking down onto your lap as you’re relaxing in your home! As of such, inclement storm damage to roofs are typically covered by homeowners insurance so costs can greatly be reduced if you run into trouble. If you’re having difficulty determining the extent of storm damages on your roof make sure to conduct professional roof inspections in order to properly assess the situation.

What is storm damage to roof?

Storm damages to a roof can range in severity depending on the age of a roof and the materials the roof is made of. As of such, damages can arise from hail and rain which can cause indentations, aggravate existing structural cracks, loosen roofing material or even have water escape through openings. Even when a storm doesn’t produce rain or hail, high winds can still cause damage. There are stress points to a roof that can weaken and become compromised. Typical wind load resistant roofs can slowly become damaged over time from flying debris and be structurally weakened because of it. With shingles, you may see loosened or missing sections that can cause water damages once flashing is exposed.

How does wind damage a roof?

Wind can damage a roof due to high pressures and impacting areas of low stress like the center of a roof. It’s important to realize that wind doesn’t move uniformly over a roof and most wind storm damages to a roof start on the edges. Additionally, any area of roofing material that is loose can get pushed up and cause a chain effect of peeling down the line. Repeated exposure can further loosen materials until they blow or become ripped off. The danger in this is that torn shingles and other outer protective roofing material can expose insulation to water damages and leaks. What’s more, wind moves debris and tree branches which can be more damaging than the wind alone. Debris and branches can scratch, pierce and move roofing material on all areas of the roof. It’s important to check your gutters and downspouts after a storm as debris can weigh on the structure and affect its durability. Additionally, remember to check the corners and edges of a roof when wind has been particularly powerful during a storm. Finally, be sure to trim tree branches or have trees planted a safe distance away from your home in order to prevent future roof storm damages.

How do I know if my roof has storm damage?

After a storm has occurred, some signs of roof storm damage may be perceptible while some may need to be further investigated. As of such, it’s important to conduct an indoor and outdoor inspection to check for damages after a storm has passed. Indoors you may see moisture marks, stains (brown, yellow or grey) or peeled paint which all point towards a roof leak. Checking the attic is a great way to see if light and therefore water is entering through a peephole or mildew has formed on damp rafters. Finally, a sign that can’t be seen is a rise in energy costs that point to roof ventilation damages.

Ripped shingles on roof with a blue sky in the background.

Different Types of Storm Damage

  • Curling, Broken, Missing or Loose Grained Shingles
  • Splitting, Curling, Decay or Mold on Wood Shingles or Shakes
  • Flat Roof Patches, Tears, Blisters, Wrinkles or Cracks
  • Tears of Flashing
  • Buckling Around Roof Penetrations
  • Crumbling Roofing Cement
  • Decay or Stains to Fascia or Soffits
  • Clogged or Damaged Vents, Flashing and Shingles Around Soffits and Ridge Vents
  • Clogged, Rusted or Decayed Gutters & Downspouts
  • Leaky Seams
  • Loose Attachments
  • Missing Sections
  • Bent Areas or Sagging
  • Ice Dams
  • Chimney Cap or Joints Cracked

Will the insurance company replace my roof?

Homeowners insurance can partially or fully replace your roof under an all-peril policy, or depending on the type of insurance you have there may be an alternate option. An all-peril policy  usually accepts roof replacements regardless of the age of your home as long as the damages were incurred by an act of nature. However, if your roof has surpassed its intended lifespan than roof replacements will usually fall under the responsibility of the homeowner as the category of general maintenance according to insurance precedents.

What is storm damage insurance?

Depending on your policy terms storm damage is covered by insurance. There are certain factors that can determine the eligibility of your roof like where you live, the roof’s age and other information. Most homeowners insurance will cover inclement weather damages as it is an unpreventable circumstance. Storm damage and insurance claims should be handled with care and attention to detail, your insurance may or may not require that your roofing contractor conduct an inspection for official reports. As of such, make sure that you’re taking pictures of damages to help with your case, these pictures may also be included with your service once you reach out to a qualified roofing company.

What type of water damage is covered by homeowners insurance?

It’s important to address water damages as they occur in your home as they can aggravate the integrity of certain structures or appliances and cause a growth mold and mildew. Only certain types of water damages can be covered by your homeowners insurance like damages incurred through the inside sources of your home such as a busted pipe. Outside sources such as floods are not covered by a standard policy so it’s important to check with your insurance before any future damages incur. If you do have a policy or insurance that will cover water damages relevant to you, be sure to conduct Nuclear moisture testing as it will assist in the settlement of your insurance claim. This type of testing will advocate existing damages through professional testing.

For help with storm damages in Indianapolis, IN call 317-416-0028 with Public Adjuster Indiana!