Wind Damage To Roof Shingles Insurance

A recent wind storm blew off a lot of shingles and now its leaking in the garage.

Wind damage to roof shingles insurance.

When high winds hit a roof shingles can loosen or fall off. For a shingle to be wind damaged an uplift force from the wind has to occur. 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. If wind speeds are very high even new secure shingles can tear away.

My home is 34 years old with a shingle roof. That may sound like a basic idea but it can run into some problems in practice. 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. All manufacturers publish a wind warranty on their shingles.

Roofs are very susceptible to wind damage in part because high winds do not hit roofs uniformly. Damage to old roof from winds what will insurance cover. The house needs a new roof. If i put in an insurance claim will they pay for a new roof or just a portion of it.

Check the corners edges and the ridgeline. This causes a pressure disparity between the front and back faces of the shingle. 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 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.

Other wind damage to a roof includes damage caused by falling objects and debris such as tree branches and downed powerlines. First your shingles and roofing may have discolored with age. If you have roof wind damage your insurance company has a legal obligation to repair or replace the roof whichever costs less. Wind damage to roofs your roof is protected by your homeowners insurance but how you re covered depends on your policy.

Proper roof shingle nailing is what keeps shingles on the roof in a high wind. The base policy usually provides replacement cost coverage for losses other than wind and hail. However if shingles are not properly nailed shingles are far more likely to blow off of the roof in even a modest windstorm. 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 can happen to any asphalt shingle roof in severe weather conditions.