Wind Damage To Roof Shingles Insurance

For a shingle to be wind damaged an uplift force from the wind has to occur.

Wind damage to roof shingles insurance. The house needs a new roof. A recent wind storm blew off a lot of shingles and now its leaking in the garage. All manufacturers publish a wind warranty on their shingles. Damage to old roof from winds what will insurance cover.

It is important to compare the wind coverage when making your shingle selection on a new roof. The base policy usually provides replacement cost coverage for losses other than wind and hail. If i put in an insurance claim will they pay for a new roof or just a portion of it. The more the shingle lifts off the roof the more surface area is exposed between the shingle and the roof leading to a greater uplift force and faster degradation.

Wind damage roof insurance claims a guide on what to do and who to call thunderstorms wind storms hail storms and even tornadoes can all cause wind damage to your property and even high winds can wreak havoc on unsecured structures or rooftops causing roof leaks and other potentially catastrophic roof damage. My home is 34 years old with a shingle roof. If wind speeds are very high even new secure shingles can tear away. Roofs are very susceptible to wind damage in part because high winds do not hit roofs uniformly.

That may sound like a basic idea but it can run into some problems in practice. Proper roof shingle nailing is what keeps shingles on the roof in a high wind. If the winds that caused the shingle damage were above the manufacturer s wind coverage you ll need to file an insurance claim. According to one experienced roofing contractor insurance companies heavily scrutinize claims for roof repair and replacement.

Even if the warranty on your roof states it can withstand winds up to 90mph do a visual check for wind damage to the roof with a wind of 50mph or more. Wind damage to roofs your roof is protected by your homeowners insurance but how you re covered depends on your policy. They will want absolute proof that storm damage is the cause of the roof leak to determine this insurance company will send out its own adjuster someone that works for the insurance company. Wind damage can happen to any asphalt shingle roof in severe weather conditions.

Other wind damage to a roof includes damage caused by falling objects and debris such as tree branches and downed powerlines. It is these areas where the wind can get under and curl the shingles or even rip them off leaving your roof exposed to the elements. Check the corners edges and the ridgeline. If you have roof wind damage your insurance company has a legal obligation to repair or replace the roof whichever costs less.

When high winds hit a roof shingles can loosen or fall off.