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Will Homeowners Insurance Cover Roof Damage from Wind?

January 29th, 2021 | 5 min. read

Will Homeowners Insurance Cover Roof Damage from Wind?

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Imagine this. You just had a strong thunderstorm come through your area with strong winds causing trees to fall down, power outages, and other damage the night before. The next morning you walk outside to find shingles in your yard. 

Your heart skips a beat and you look up to see sections of shingles missing from your roof and the decking is exposed. Now you’re stressed out because your home isn’t protected from the elements. 

And to add to that stress, you’re going to have to start the claim process with your homeowners insurance. But will your insurance company even cover the wind damage? 

Because of our expertise with dealing with roof damage insurance claims, we’re going to answer that question and more. 

Since 1990, Bill Ragan Roofing Company has helped hundreds of customers in the Nashville area with storm-damaged roofs. No matter what extreme weather hits your roof, you can count on us to take care of your problem. We work for you, not the insurance company. 

We want you to be as informed as possible about your roofing decisions, especially when dealing with something as stressful as storm damage. Get started with your roofing education by learning if your homeowners insurance covers your wind damaged roof.  

Does homeowners insurance cover wind damage?

So, you just had a strong storm and found shingles in your yard. But will your homeowners insurance cover the damage to your roof caused by the strong winds?

The answer is yes, your homeowners insurance should cover wind damage and any other roof damage caused by extreme weather (hail, tornados, fallen limbs, etc.). 

does homeowners insurance cover roof damage from wind

Be aware, your homeowners insurance won’t cover the wind damage if your roof was improperly installed

That’s why it’s crucial to hire a reputable roofing contractor with a strong installation history anytime you need roof work done. But how do you find a great roofing contractor?

That comes down to asking the right questions. To find out these questions, check out our article on the top 8 questions to ask a roofing contractor

4 reasons you need to show your insurance paperwork to your roofing contractor 

Now you know that homeowners insurance covers wind damage to your roof. Once you file a claim and are ready to begin the replacement or repair process, it’s crucial to show your roofing contractor your insurance paperwork before the work begins. 

But why? Sharing your insurance paperwork allows your contractor to know the scope of work, protects you from insurance fraud, and more. 

1. They’ll know the scope of work approved by the insurance company

Without seeing the insurance company's paperwork, your local roofing contractor won’t know that you even have an insurance claim. If they don’t see the paperwork, then they won’t know what the insurance company included in the estimate or the scope of work required.

When a roofing contractor doesn’t know the scope of work required, you can run into a major problem of the cost being greater than the estimate. 

For example, some adjusters leave off items that are required by local codes. If your policy has a code upgrade provision in it, then your insurance company is responsible for paying for them. If the adjuster leaves all the code upgrades off, you’ll get a price from your contractor that’s much higher than the estimate. 

Working in sync with your contractor ensures you get exactly what your damaged roof needs in compliance with your insurance. 

2. Protects you from inadvertently committing fraud 

If you have an RCV policy (the insurance company will pay to replace your roof), showing your paperwork can save you from insurance fraud. When the work estimate is less than what the insurance company agreed to pay, you don’t get to pocket the leftovers.

To receive your recoverable depreciation, the items that were included in the claim must be included in the contractor’s scope of work so you don’t inadvertently commit insurance fraud. 

That’s why an RCV policy requires proof of completion before they send you a check for the recoverable depreciation. If you ask for the check but didn’t get the work done, your insurance company won’t make your life easy. 

3. Builds trust between you and the roofing contractor 

Once your insurance claim is approved, it makes getting multiple bids pointless. With the sales process eliminated, your contractor can concentrate on getting you the best quality roof that your insurance allows as quickly as possible. 

It also means that a roofer has no incentive to oversell or make promises they can’t deliver. This builds trust between you and your contractor. 

You trust the contractor for their honesty and for breaking down your insurance claim. The contractor trusts you for sharing all relevant information so they can do the job right the first time. 

When you share your insurance paperwork with your contractor, not only is trust established but a partnership as well.

4. Your insurance company tells you to

Some insurance companies require you to use a certain contractor, but usually, you get to pick your own. If you get to pick your own, most insurance companies literally have a statement in the fine print telling you to share the claim paperwork with your contractor.

Some examples of this are: 

Travelers: “Therefore, you and/or contractor should review this estimate carefully and let us know immediately if you have any questions prior to beginning any work.”

Liberty Mutual Insurance: “We encourage you to work with the contractor of your choice in completing the repairs to your home. If you or your contractor has any questions or concerns about this estimate, please contact me at the number shown above.”

Erie Insurance: “Please show the contractor a copy of our estimate so that they may call us should they have any questions.” 

If your own insurance company tells you to, then it’s safe to say that you should share your paperwork.

Ready to learn the homeowners insurance claim process?

Now you know what your homeowner’s insurance covers and 4 reasons you need to show your roofing contractor your insurance paperwork. But what about the part of the process between finding shingles in your yard after a storm and sharing insurance paperwork with a roofing contractor?

I’m talking about actually filing a claim with your homeowners insurance. Do you feel comfortable with the process? Are you unsure what the process looks like or where to even begin?

If this sounds like you, we understand the process can be stressful and full of headaches. To help relieve that stress and prepare you for dealing with your insurance company, we broke down the homeowners insurance claim process. 

The team at Bill Ragan Roofing has been helping the residents of Nashville with their insurance claims since 1990. Anytime a roof is hit by a big storm, we effectively deal with insurance companies to give our customers a positive experience. If you’re local to Nashville and have storm damage, contact us to get your problem taken care of. 

To help you understand your claim and how the process works, check out our article on Homeowners insurance: the process to replace a storm damaged roof.

storm damage checklist

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