Don’t ignore the signs of wind damage, especially on your shingles
There are several signs you can look for to determine if you have wind-damaged shingles on your roof:
- Missing Shingles: Strong winds can lift and remove shingles from your roof. If you notice any areas where shingles are completely missing or if you find shingles in your yard or gutters after a storm, it may indicate wind damage.
- Lifted or Curling Shingles: High winds can cause shingles to lift or curl at the edges. Inspect your roof for any shingles that are not lying flat or appear to be lifted at the corners.
- Cracked or Split Shingles: Wind can cause shingles to crack or split, particularly along the edges or in areas where the wind force was concentrated. Check for any visible cracks or splits on your shingles.
- Shingle Granules in Gutters: The granules on shingles provide protection and help prolong their lifespan. If you notice an excessive amount of shingle granules in your gutters or downspouts, it could be a sign of wind damage.
- Displaced or Damaged Flashing: Flashing is the metal or rubber material installed around roof penetrations and along roof edges. Strong winds can displace or damage the flashing, leading to potential leaks and water damage.
- Visible Roof Deck or Underlayment: If you can see the roof deck or underlayment from the ground, it suggests that shingles have been blown off or damaged by wind, exposing the vulnerable layers underneath.
- Water Leaks: Wind-damaged shingles may compromise the integrity of your roof, allowing water to penetrate and cause leaks in your home. If you notice water stains or signs of water intrusion on your ceilings or walls, it could be a result of wind-damaged shingles.
If you suspect wind damage to your shingles, it’s advisable to have a professional roofing contractor, such as The Shingle Master, conduct a thorough inspection. The Shingle Master can assess the extent of the damage, provide an accurate assessment, and recommend the necessary repairs or replacements to ensure the long-term integrity of your roof.
Are wind damaged shingles covered by my homeowners insurance?
Whether wind-damaged shingles are covered by your homeowners insurance depends on the specific terms and coverage of your policy. In general, most homeowners insurance policies do provide coverage for wind damage, including damage to shingles, as long as it is deemed a covered peril.
Here are a few key factors to consider:
- Review Your Policy: Carefully review your homeowners insurance policy, paying attention to the covered perils and exclusions. Look for specific language regarding wind damage, storm damage, or roof coverage.
- Covered Perils: Wind damage is typically covered under most standard homeowners insurance policies. However, the extent of coverage may vary, so it’s important to understand the specific limits and deductibles outlined in your policy.
- Deductible: Keep in mind that your homeowners insurance policy will likely have a deductible. This is the amount you’ll need to pay out of pocket before your insurance coverage kicks in. Check your policy to determine the deductible amount applicable to wind damage claims.
- Insurance Claim Process: If you suspect wind damage to your shingles, document the damage by taking photos and filing a claim with your insurance provider. An insurance adjuster will assess the damage and determine if it meets the criteria for coverage.
- Professional Assessment: It’s often beneficial to have a professional roofing contractor, like The Shingle Master, conduct an inspection and provide a detailed assessment of the wind damage. Their expertise and documentation can support your insurance claim and ensure that no damage is overlooked.
Remember, each insurance policy is unique, and coverage can vary. It’s essential to consult with your insurance provider and thoroughly review your policy to understand the specifics of your coverage for wind-damaged shingles. The Shingle Master can also assist you in navigating the insurance claim process, providing necessary documentation and working closely with your insurance company to ensure a fair and timely resolution.