Wind Damage To Roof Shingles Insurance

Roofs are very susceptible to wind damage in part because high winds do not hit roofs uniformly.

Wind damage to roof shingles insurance.

Damage to old roof from winds what will insurance cover. My home is 34 years old with a shingle roof. Wind damage to roofs your roof is protected by your homeowners insurance but how you re covered depends on your policy. If wind speeds are very high even new secure shingles can tear away.

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. The house needs a new roof. However if shingles are not properly nailed shingles are far more likely to blow off of the roof in even a modest windstorm.

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. First your shingles and roofing may have discolored with age. 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.

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. According to one experienced roofing contractor insurance companies heavily scrutinize claims for roof repair and replacement. This causes a pressure disparity between the front and back faces of the shingle. If the winds that caused the shingle damage were above the manufacturer s wind coverage you ll need to file an insurance claim.

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. 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. For a shingle to be wind damaged an uplift force from the wind has to occur. When high winds hit a roof shingles can loosen or fall off.

The base policy usually provides replacement cost coverage for losses other than wind and hail. Proper roof shingle nailing is what keeps shingles on the roof in a high wind. That may sound like a basic idea but it can run into some problems in practice. If i put in an insurance claim will they pay for a new roof or just a portion of it.

Wind damage can happen to any asphalt shingle roof in severe weather conditions.