Wind is a constant presence in everyone’s lives, but it can quickly turn into a major hazard at the drop of a hat. Though your home is designed to withstand high winds, like all structures it can only do so up to a certain point. If the home has pre-existing damage, or in cases of catastrophic windspeeds, property damage can lead to incalculable repair costs.
One area of the home that is particularly susceptible to wind damage is your roof. It’s your home’s first line of defense against the elements. Your homeowners insurance can help you during this time, but you must review the terms of your policy to see how it addresses wind damage. Let’s take a closer look at how your policy works.
All home insurance policies are designed to insure you against unpreventable, unexpected property damage. Wind damage falls under this definition, so if your roof sustains damage in this case, then you will be able to pay to repair it. However, there are some exceptions to this coverage rule.
Wear and Tear
Home insurance will not pay for normal wear & tear. Additionally, if your roof has existing damage, and high winds proceed to damage it further, then you might have challenges filing a claim. If your insurer can prove that existing problems with your roof exacerbated the damage, then they might refuse to cover you.
Windstorm Coverage Exclusions
Some homeowners policies do not cover wind damage under their standard benefits. Insurers often exclude this coverage in areas with significant wind damage risks, such as coastal communities or areas with high risks of tornadoes. To get that benefit, the homeowner might need to enroll in a windstorm (named-storm) endorsement.
What to Do When Damage Occurs
When your roof gets damaged by wind, you need to document the incident. Most insurers only give you a limited amount of time to report and file claims (generally about one calendar year), and you naturally want to have the repairs made as soon as possible.
At the time damage occurs, do what you can immediately to stop it from getting worse. For example, cover exposed interiors with tarps to keep out any moisture. Simultaneously, contact your home insurer to begin the claims filing process. They will instruct you on how to document your claim, and sometimes a claims adjuster will visit your property to analyze the issue.
When negotiating with your insurer about the damage your roof sustained, be truthful. Do not try to hide any pre-existing roof damage from them, but do not feel that you won’t be able to file a claim just because your roof might have had minor existing damage.