Roof Damage Due To Wind

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

Roof damage due to wind.

These loose parts of the roof are easy targets because winds can more easily rip up loose shingles causing a chain reaction. It s the builder s fault. Roof damage mostly occurs when winds are extreme. W e received a question from a north carolina consumer regarding a roof replacement due to windstorm damage.

Wind and hail damage. Home insurance companies in past years have been walloped by numerous and expensive roof claims. Strong winds heavy rain or falling tree branches can pull off your roof s shingles curling shingles. When roofing materials are damaged by winds the edges or loose spots have wind get underneath them and push up the shingles or other material which then gives the wind more ability to grab on to them and push them up and off the roof creating a sort of chain effect as the roofing materials peel off.

The damage is only cosmetic. Rather wind tends to cause damage to the edges of the roof or areas of the roof that are already loose. Strong damaging winds cause tree branches to break. So it s the homeowner s fault.

Roof damage is covered by the dwelling coverage portion of your homeowners insurance policy damage to the roof of your. Here is an insurance claim question that we recently were asked to weigh in on as a contributing member of insurance claim experts for united policyholders who advocates for property owners. The attic isn t properly vented so the shingles were cupped and susceptible to wind. They also blow away debris and other objects.

The roof will still protect the home. You should suspect roof damage from wind if you find debris all over the place. For example tornadoes and hurricanes. If the roof damage is caused by a fire or wind or hail homeowners insurance should have you covered but your insurer might require a separate deductible for wind and hail damage.

Please take note that it s not always roof damage due to wind. According to the national roofing contractors association nrca most wind damage to a roof starts on the edge. How to spot wind damage roof leaks. The roof wasn t maintained loose flashing or a cracked vent boot were found for example that allowed water through.

To combat this many home insurers have implemented different coverage levels. Curling shingles are most often found. The carrier is claiming that only a spot repair is required under the policy but the.