Will Homeowners Insurance Cover Roof Damage from Wind?

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Finding missing shingles or common damage in your yard are common occurrences. There is a chance that there may be fallen trees and power outages if a thunderstorm comes through your area with strong winds.

Your home is not adequately protected against the elements because you neglect to ensure this. It is concerning to observe sections of missing shingles on your roof, leaving the decking exposed.

A tense predicament, I don’t want you to feel even more anxious about it. The wind damage to your roof, does your insurance provider even provide coverage for it? If that isn’t distressing enough.

For over 30 years, the team at Ragan Bill has been assisting homeowners with understanding the ins and outs of roofing and insurance. Throughout their years of experience, they have helped homeowners understand what they need to know about wind damage and insurance coverage for their roofs. That’s why I’ll break down why you need to know about it.

This article provides responses to the subsequent inquiries:.

  • Does home insurance cover wind damage to your roof?
  • Will home insurance cover the cost of replacing the entire roof?
  • What impact do regulations on matching shingles have on insurance coverage for roof replacements?
  • What should you know before filing an insurance claim for wind damage to your roof?

    After reading this article, you will know how to spot damage on your roof caused by wind and what laws come into play if you have to process an insurance claim for a roof replacement. If your roof is damaged by wind, you need to be ready to contact your insurance company and find out if they will pay for a matching shingle replacement.

    Painless always isn’t replaced roof a get to about into get to about you’re what know to need you do, before but.

    I want to ask you a few questions about homeowners insurance for replacement roofs. That’s why I wrote another article with answers to top questions. I want to make sure you don’t fall into scammy tactics or get taken advantage of during the unprepared process. That’s the last thing I want for you.

    Check out the top 9 answered questions to learn what you need to know about filing an insurance claim for roof damage.

    storm damage checklist

    Does home insurance cover wind damage to your roof?

    If your roof shingles blow off due to extreme weather conditions such as tornados, fallen limbs, or hail, you obviously have a valid claim to make for insurance coverage to repair any roof damage caused by the wind. Yes, homeowners insurance should cover this.

    missing architectural asphalt shingles caused by wind damage

    However, if you find missing shingles, that is a sign that your roof has been damaged by wind and the shingles have either lifted or become creased.


    Inadequate installation of shingles may also indicate the absence of shingles and wind-related deterioration of this nature. To identify raised or folded shingles, one must ascend to the roof, and detecting raised or folded shingles is more challenging.

    If the roofing contractor didn’t do the job right, it is likely that your roof will experience more wind damage, which means insurance companies won’t cover the problems caused by improper installation, making it worse for you to claim a file.

    Will homeowners insurance pay for a full roof replacement from wind damage?

    Now you know that homeowners insurance will cover wind damage to your roof. But will they pay for a full roof replacement?

    The payout for roof replacement varies significantly depending on the type of homeowners insurance policy you have, whether it is Actual Cash Value or Replacement Cost Value. Both policies provide a payout that means insurance gives you reimbursement for the cost of a new roof.

    ACV homeowners insurance policy

    With this policy, you will only receive a payout for the value of your roof at the time of the wind damage. The policy provides you with an Actual Cash Value (ACV), which accounts for the depreciated value of your wind-damaged roof.

    You will have to pay out-of-pocket for the replacement roof, and you’ll have to use the depreciated payout for the rest. It will cover a healthy portion, but it won’t be enough to cover the full cost of a new roof.

    Unfortunately, some homeowners try to find a low-priced roof or even a roof with the same costs as the payout ACV, but they are unaware that cheaper labor and quality can lead to problems for their roof down the road.

    RCV homeowners insurance policy

    The Replacement Cost Value (RCV) policy provides you with the amount needed to substitute your roof with a completely new iteration. Consequently, your insurance company is obligated to provide sufficient coverage for the entire expense of replacing your roof.

    You will get a second opportunity to check the remaining coverage, after you claim the photo evidence and provide the replacement cost for your roof. The insurance company will hold back the recoverable depreciation while they check the actual value and cost of your roof, and then you will receive the first check.

    If you want to upgrade certain areas, such as upgrading from 3-tab asphalt shingles to architectural shingles, you will have to cover the difference out of your own pocket. However, remember that your insurance company will only pay to restore your current roof to a new version.

    How do shingle matching laws help get your full roof replaced because of wind damage?

    Unfortunately, homeowners should know that insurance only covers repairs for roofs damaged by wind, and not the cost of replacing the entire roof.

    roof patch from missing shingles caused by wind damage(Roof patch from missing shingles)

    When this occurs, you can either accept the repairs or advocate for what your policy is meant to provide you. This not only goes against the purpose of paying your premiums throughout the years, but it is also incorrect.

    This is where you can utilize corresponding regulations if relevant in your state.

    For instance, Tennessee has Law 0780-01-05-.10(1)(b) which declares:.

    “The insured shall not bear any cost over the deductible, if applicable. This applies to both exterior and interior losses. According to the applicable provisions of the policy, the insurer shall replace items to conform reasonably to a uniform appearance. However, when a loss requires the replacement of items, the items replaced may not match the size, color, or quality of the original items.”

    If your insurance company needs to replace your entire roof for roofing purposes, it is necessary for the color of your current roof shingles to match the available options. According to your homeowners insurance company, everything on your insurance claim must be paid for in order to align with this requirement.

    nonmatching shingles after wind damage(Nonmatching shingles showing difference in color)

    If you are even able to find the color match, you might not be able to locate the shingle because it has undergone wear and tear and could no longer be produced or available for purchase.

    In the event that the insurance company resists matching, it is important to be aware that you will need to follow the ITEL procedure in order to substitute your roof. If there are no shingles that align flawlessly with your existing roof, and you reside in a state that requires matching, the insurance company will be obligated to provide compensation.

    However, as long as you employ a trustworthy roofing contractor with insurance expertise, this will be a straightforward procedure.