Wind Damage To Roof Shingles Insurance

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.

Wind damage to roof shingles insurance.

Check the corners edges and the ridgeline. All manufacturers publish a wind warranty on their shingles. Proper roof shingle nailing is what keeps shingles on the roof in a high wind. However if shingles are not properly nailed shingles are far more likely to blow off of the roof in even a modest windstorm.

My home is 34 years old with a shingle roof. 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. 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.

Roofs are very susceptible to wind damage in part because high winds do not hit roofs uniformly. For a shingle to be wind damaged an uplift force from the wind has to occur. If wind speeds are very high even new secure shingles can tear away. This causes a pressure disparity between the front and back faces of the shingle.

Damage to old roof from winds what will insurance cover. If you have roof wind damage your insurance company has a legal obligation to repair or replace the roof whichever costs less. 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 house needs a new roof.

First your shingles and roofing may have discolored with age. If i put in an insurance claim will they pay for a new roof or just a portion of it. 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. If the winds that caused the shingle damage were above the manufacturer s wind coverage you ll need to file an insurance claim.

That may sound like a basic idea but it can run into some problems in practice. Other wind damage to a roof includes damage caused by falling objects and debris such as tree branches and downed powerlines. It is important to compare the wind coverage when making your shingle selection on a new roof. The base policy usually provides replacement cost coverage for losses other than wind and hail.

Wind damage to roofs your roof is protected by your homeowners insurance but how you re covered depends on your policy.