The majority of homeowners insurance policies cover wind damage, including when it occurs on your roofing.
What Is Considered Wind Damage Under A Homeowners Policy?
Typically, the majority of damage caused by wind in any type of storm will be considered wind damage and ultimately be covered by a homeowners policy. High winds can cause damage for roofs, as well as windows and other parts of a home.
Here are a few storm types that can cause damage. These events are generally covered under a homeowners policy:
- Hurricanes.
- Thunderstorms.
- Tornados.
- Hailstorms.
- And more!
Will Home Insurance Cover Wind Damage To A Roof?
Depending on your specific policy, homeowners insurance is likely to cover wind damage to your roofing. If you have other structures coverage, you could be covered for roof wind damage on other structures like a freestanding garage or shed.
Your policy will detail roof damage repair coverage due to something like wind damage. Certain things, however, can factor into how much coverage your policy will offer. This oftentimes includes unresolved maintenance issues and age of the roof.
Your insurance provider will inspect the damage, including any pre-existing damage, if applicable. They will then determine the appropriate reimbursement for your situation. Contact your provider to learn more about this process.
How To Protect Your Roof From Wind Damage
The best way to prevent your roof from damage is to have it inspected regularly. Homeowners can start by doing a visual inspection by using a pair of binoculars to check out the roof.
If you notice any loose or missing shingles, it’s best to have this repaired by a licensed contractor. From inside the attic, you’ll be able to see areas where wiring enters the roof.
If there is any noticeable daylight coming through, you should seal those areas immediately. Ensure your gutters and downspouts are clear of debris, at this time.
Homeowners Insurance Roofing FAQs
Let’s take a look some of the most commonly asked questions by homeowners regarding their policies and roofing issues.
How Does Homeowners Insurance Cover Roof Leaks?
In the event your roof is leaking or damaged due to a covered peril, homeowners insurance can help you in the following ways:
- Personal property coverage: This can pay to repair or replace personal belongings damaged from the leak. It will be covered up to your coverage limit and minus your deductible.
- Dwelling coverage: This can be used to pay for replacements and repairs of the leaky roof.
- Loss of use coverage: If you are unable to live in your home due to leaks or damage, this coverage may pay for groceries and lodging.
- Other structures coverage: This covers repairs or replacements of any leaky roof of a gazebo, unattached garage, tool shed, or guest house.
Will Homeowners Insurance Cover Water Damage Caused By A Leaking Roof?
It’s no secret other elements of your home could be in danger whenever a roof is leaking. If a covered peril caused the roof leak, homeowners insurance can cover the replacements of things like furniture, walls, floors, or ceilings that may have been impacted.
If the leak results in mold growth, homeowners insurance may pay for the mold damage, up to your coverage limit. It could cover remediation, as well.
How Do You File A Claim For A Roof Damage?
Always make sure to document the damage as soon as your environment and everyone inside the home is safe. Take photos and videos of the damage, at this time. It is possible your insurer will have a claims adjuster assess the damage and verify the loss prior to providing coverage.
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