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Does home insurance cover wind damage to a roof?
We had a serious windstorm with hail last week. My husband noticed some missing shingles on our roof. We suspect a branch may have scraped them off, but it could be more serious. Will home insurance cover wind damage to our roof?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about the storm! High winds can be unsettling, not to mention the damage they can cause to your property. Thankfully, your homeowners insurance should cover wind damage to a roof.
While you wouldn’t have coverage for something extreme like a hurricane, a typical windstorm is a
covered peril
. Your policy’s dwelling coverage should cover the cost to repair the missing shingles, subject to your deductible and policy limit.To get coverage, you’ll need to file a claim by:
- Documenting the damage if it is safe to do.
- Accessing your company’s claims portal (usually a website or hotline).
- Submitting the photos and descriptions to your insurance company.
Once you submit a claim, your insurer will send a claim adjuster out to review your damage and calculate the cost of repairs. As long as the repairs cost more than your deductible, your insurance will cover anything above it.
Insurance rates can increase after a claim, so consider shopping around for a new home insurance policy with
Jerry
. Jerry contacts your home insurance company to get the details of your current coverage, so you don’t have to scale a mountain of questions. You get all the best prices and coverage with none of the legwork. And if that company isn’t for you, Jerry helps cancel your old policy.Better yet, Jerry will help you bundle your home and auto insurance for even bigger savings.
Good luck with your roof repairs!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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