Does Homeowners Insurance Cover Wind Damage to Roofs?

Does Homeowner's Insurance Cover Damage Caused by Wind?

As was said before, homeowner's insurance policies normally include coverage for most types of wind damage. In most cases, the dwelling coverage included in your homeowner's insurance policy will assist in paying to repair or replace wind damage caused to your roof, siding, or windows. Your homeowner's insurance policy also includes coverage for your personal property, which means that it could potentially assist you in repairing or replacing goods that have become damaged as a result of a wind event.

You need to review all the details of your policy and ensure you are aware of all it covers, including any coverage limits, deductibles, and exceptions. There may be special deductibles in some jurisdictions that are larger than the standard amount for certain windstorms, such as hurricanes.

Do Homeowners Insurance Policies Cover Damage to Roofs Caused by Wind?

Your homeowner's insurance policy may or may not cover damage to your home's roof caused by wind, depending on the type of policy you have. If you have coverage for other structures on your property, like a free-standing garage or a shed, you may be protected from financial loss if high winds cause damage to the roof of one of these buildings.

The coverage provided for the repair or replacement of roof damage caused by a wind event will be explained in your policy. When determining how much of the expense associated with repairing the damage or replacing the roof will be paid, certain factors, such as the age of your roof or outstanding maintenance issues, may be considered. Your insurance company will conduct an assessment of the damage, taking into account any damage that may have been there previous to the wind event, to establish a level of payment that is reasonable. If you want to continue learning more about the process, you should speak with your insurance agent.