How to Understand Your Wind Damage to Roof Insurance Coverage Provider
It’s summertime, and you know what that means – summer storms are coming. Storms can roll in fast, and when they do, they often leave behind more than puddles and downed branches. High winds can cause serious roof damage—sometimes obvious, sometimes subtle, but just as problematic. At Lighthouse Roofing and Exteriors, we’ve helped countless home and business owners navigate the aftermath of severe storms, including the often-confusing process of understanding and explaining wind damage to roof insurance coverage providers.
If you're wondering what’s covered, how to start a claim, or whether your policy is up to date, you’re not alone. Here’s a guide to help you feel confident and informed as you move forward.
What Does Standard Homeowners Insurance Cover Regarding Wind Damage to Roofs?
Most standard homeowners’ insurance policies do include coverage for wind damage to roofs—but that doesn’t mean all wind-related damage is treated equally. If strong winds cause shingles to lift, metal flashing to tear, or entire roof sections to be compromised, those repairs are often covered under your dwelling protection.
However, it’s important to read the fine print. Some policies have exclusions based on wind speed (like hurricane-force winds) or depreciation based on the age of your roof. In coastal areas or storm-prone regions, insurers might even require a separate windstorm deductible or exclude wind coverage entirely unless added as an endorsement.
Pro Tip
Familiarize yourself with the specifics of your individual policy before a storm hits. If you're not sure what your policy says, our team at Lighthouse would be happy to help review it with you.
Navigating the Claims Process for Wind Damage to Your Roof Insurance Coverage Policies
Especially if you’ve never done it before, filing a claim for wind damage can feel like its own storm. Make sure to document everything as quickly as you can. If you notice missing shingles, leaks, or damage to gutters or siding after high winds, start by taking clear photos and notes. Then, after you’ve photographed and documented all the evidence, it’s time to contact your insurance provider to begin the claims process.
Many companies will send an adjuster to inspect the damage, but keep in mind—they represent the insurance company, not you. This is where having a trusted local roofer by your side can make a big difference.
At Lighthouse, we’ve been in the residential and commercial roofing business for a long time, and along the way, we’ve developed a concrete method for helping our customers get insurance companies to work with them. One of the key factors of it all is meeting with insurance adjusters on-site to ensure the full extent of storm damage is properly identified and included in the report. In our experience, this can mean the difference between a lowball settlement and getting what you actually need to restore your home.
Common Policy Types and Their Impact on Wind Damage to Roof Insurance Coverage
Not all insurance policies are created equal. When it comes to wind damage to roof insurance coverage, the type of policy you carry can drastically impact your out-of-pocket expenses and the repair timeline.
Here are a few key terms to know:
● Actual Cash Value (ACV): This type of policy reimburses you for the current value of your roof, taking depreciation into account. If your roof is older, that could leave you covering a big chunk of the repair costs yourself.
● Replacement Cost Value (RCV): RCV policies offer stronger protection. They pay what it actually costs to replace your roof, regardless of age, minus your deductible.
● Wind/Hail Deductible: Some policies have separate, often higher deductibles specifically for wind or hail damage. Knowing this number in advance helps avoid surprises later.
Your policy type can make a big difference in your repair options, so make sure you understand yours before the next storm hits.
When was the last time you conducted maintenance for your roof?
Even if your home hasn’t been damaged by a storm, it’s always important to make sure your roof is ready for anything, and a good way to do that is by investing some time in getting some good ‘ol fashioned maintenance done. Here are some of our biggest roofing maintenance tips!
What to Do After Your Roof Sustains Wind Damage (Beyond Insurance)
Insurance is only one piece of the puzzle. When your roof is damaged by wind, fast action can help prevent further issues like water intrusion, mold growth, or structural weakening.
Here’s what to do:
1. Prioritize Safety – Be cautious of fallen debris that may contain nails.
2. Schedule an Inspection – Even if the damage seems minor, call in a professional. Wind damage isn’t always visible from the ground, and small issues can quickly grow.
3. Temporary Protection – If necessary, we can help you tarp or seal exposed areas to minimize further damage until repairs are approved.
At Lighthouse, we move quickly and efficiently, making sure your home is protected while you wait on insurance.
Your Local Roofing Company Meets Your Insurance Company
At Lighthouse Roofing and Exteriors, we pride ourselves on being the local roofer you need to help get you through whatever storm comes your way. We pride ourselves on offering more than repairs. We’re your advocate, your guide, and your calm after the storm.
We’ve worked with all major insurance providers, and we know how to get results. Whether it’s helping document damage, meeting with your adjuster, or explaining confusing policy language, our biggest goal is to give you peace of mind through the storm.
If you’ve recently experienced wind damage or just want to be better prepared for next time, reach out to us. We’re here to help you understand your wind damage to roof insurance coverage—and get your home or business back on solid ground.
