Roof Damage Due To Wind

Roofs are very susceptible to wind damage in part because high winds do not hit roofs uniformly.

Roof damage due to wind.

It s the builder s fault. Strong winds heavy rain or falling tree branches can pull off your roof s shingles curling shingles. Anywhere the roofing material is even a little bit loose the wind can get below it and push it up thus giving the wind more to grab onto next time and creating a chain peeling effect. Please take note that it s not always roof damage due to wind.

For example tornadoes and hurricanes. If the roof damage is caused by a fire or wind or hail homeowners insurance should have you covered but your insurer might require a separate deductible for wind and hail damage. According to the national roofing contractors association nrca most wind damage to a roof starts on the edge. These loose parts of the roof are easy targets because winds can more easily rip up loose shingles causing a chain reaction.

Here is an insurance claim question that we recently were asked to weigh in on as a contributing member of insurance claim experts for united policyholders who advocates for property owners. These things land on or hit your roofing material. W e received a question from a north carolina consumer regarding a roof replacement due to windstorm damage. Roof damage mostly occurs when winds are extreme.

Strong damaging winds cause tree branches to break. Wind and hail damage. To combat this many home insurers have implemented different coverage levels. They also blow away debris and other objects.

When roofing materials are damaged by winds the edges or loose spots have wind get underneath them and push up the shingles or other material which then gives the wind more ability to grab on to them and push them up and off the roof creating a sort of chain effect as the roofing materials peel off. So it s the homeowner s fault. Curling shingles are most often found. The damage is only cosmetic.

These are perhaps the easiest to find simply because there is water coming into your house where it. The roof will still protect the home. You should suspect roof damage from wind if you find debris all over the place. The attic isn t properly vented so the shingles were cupped and susceptible to wind.

The roof wasn t maintained loose flashing or a cracked vent boot were found for example that allowed water through. Roof damage is covered by the dwelling coverage portion of your homeowners insurance policy damage to the roof of your. Home insurance companies in past years have been walloped by numerous and expensive roof claims.