Homes are built to last, but they’re not indestructible. Even the strongest roofs have been known to have shingles blown off during high winds, especially if your home is located in an area that sees frequent tornadoes or hurricanes each year. If you find yourself with damaged shingles after one of these storms, will your homeowner’s insurance cover the damages? Let’s take a look at how your coverage works and if it applies to this particular situation.
1: What Does Homeowners Insurance Cover?
Homeowners insurance covers damage to your home caused by things like wind, fire, theft, and vandalism. This includes shingles blown off a roof. How much coverage you have for these types of damages depends on what you have covered in your policy. But it’s important to keep in mind that if you’re not insured for this type of damage, a homeowner’s insurance policy typically won’t cover damage caused by something like wind-blown shingles. The good news is that most homeowners’ insurance policies include protection against this kind of loss!
2: What Is the Cause of Most Roof Damage?
Most roof damage is caused by heavy wind or hail storms. When these weather events happen, it’s not uncommon for shingles to be blown off the roof. If this happens, homeowners should contact their insurance company and file a claim. The insurance company will then send someone out to assess the damages and make repairs if necessary. It’s important to note that while shingles are typically covered under the homeowner’s policy, there may be limits on what type of coverage they provide. For example, some policies cover only minor roof leaks as opposed to major storm-related damages.
3: How Can I Prevent Shingles from Blowing Off My Roof?
The best way to ensure that your shingles stay on your roof is by making sure that you have a sturdy and well-maintained roof. Be sure to get your roof inspected annually, preferably in the fall when leaves are less likely to be around. Also, make sure that your gutters are not clogged and that they do their job of directing water away from the house. You may also want to consider purchasing a wind protection device if you live in an area where heavy winds are common. These devices are typically made of durable fabric material and can help provide additional support for your shingles.
If these measures don’t work and you find yourself with some missing or damaged shingles, don’t worry! Most home insurance policies cover damages caused by natural disasters like high winds.
4: How Much Does It Cost to Repair Blown-Off Shingles?
The cost to repair blown-off shingles varies. To get a ballpark estimate, ask for quotes from several roofers and compare their estimates. If you are looking for a more accurate estimate, call your insurer to see if they offer it. They will be able to walk you through the process of what is covered and what isn’t.
It is always best to have a contractor come out and assess the damage before making a final decision on whether or not you want to file an insurance claim. If you decide not to file an insurance claim but would like help with repairs,
contact your homeowner’s association or local government office for assistance in finding reputable contractors who might offer discounts due to lack of insurance coverage.
5: Should I File an Insurance Claim If My Shingles Are Blown Off?
You should file an insurance claim if your shingles are blown off. That being said, it is a good idea to contact your insurance company and ask what coverage is available for this type of event. Your shingles may be covered under your standard homeowner’s policy or as an additional rider on your policy. If not, you will need to purchase windstorm coverage to protect against this type of loss. What about if my roof is damaged? In the same way that your roof can suffer damage from high winds, hail, and other natural events, your roof can also be damaged by an attack from Mother Nature such as strong storms. The damages caused by storms can also range from minor cosmetic damage up to destruction of one’s home which necessitates having most or all of their home rebuilt.
If you are concerned about whether your homeowner’s insurance covers storm damage, contact their wpinsurances to find out!
