Does Insurance Cover Wind Damage to a Roof? What Ohio Homeowners Should Know
When strong winds tear through your neighborhood, one of the first things many homeowners wonder is: does insurance cover wind damage to the roof? It’s a fair question—and an important one if you’ve noticed missing shingles or water spots forming on your ceiling after a storm.
The short answer? Most of the time, yes—but there are a few details you’ll want to look out for in your policy.
Does Insurance Cover Wind Damage to Roof Structures?
Wind damage isn’t always dramatic, but it can cause serious issues—especially over time. Even a single missing shingle can lead to leaks, wood rot, or mold if left untreated.
Most standard homeowners insurance policies do cover roof damage from wind, since it’s considered a “named peril.” But the extent of your coverage will often depend on your roof’s condition before the storm and whether the damage is clearly linked to the weather event.
That said, not all policies are alike. Some may exclude cosmetic damage or require a higher deductible for wind and hail events. Others may reduce payouts for older roofs. It’s worth taking a closer look at the fine print.
When Will Insurance Pay for a Wind-Damaged Roof?
If your roof was in good shape before the storm and the damage was sudden and unavoidable, your claim will likely be covered. Insurers typically look for:
- Clear signs of wind-related damage (lifted or missing shingles, debris impact, etc.)
- Evidence that the roof was well-maintained
- Photos or documentation showing the roof’s prior condition
Keep in mind: if your roof is nearing the end of its lifespan, your insurer may only cover the depreciated value rather than full replacement.
When Wind Damage Might Not Be Covered
There are a few common reasons insurance companies deny wind damage claims:
- Neglect or poor maintenance: If the roof was already in bad shape before the storm hit, they might say the damage was avoidable.
- Cosmetic issues only: Some policies don’t cover minor aesthetic damage that doesn’t affect performance.
- Policy exclusions or special deductibles: Especially in high-risk areas, insurers may require a separate windstorm deductible—or exclude wind coverage altogether.
If you’re not sure where your policy stands, a
licensed roofing contractor in Pickerington can help you assess your situation before you file.
What to Do After You Suspect Wind Damage
Storms can be stressful, but acting quickly makes all the difference. Here’s what to do:
- Take a walk around your home. Look for lifted shingles, dented gutters, or roofing debris in the yard.
- Take pictures. Snap photos of anything that looks off—missing materials, fallen branches, or interior leaks.
- Call your insurance provider. File a claim as soon as you can while the details are still fresh.
- Schedule a professional inspection. A roofing specialist can confirm the extent of the damage, even if it’s not obvious from the ground.
The sooner you get your roof inspected, the better protected your home—and your claim—will be.
How Price Brothers Restoration Can Help
Dealing with storm damage is frustrating enough without jumping through hoops to get your insurance to cooperate. That’s where we come in.
At Price Brothers Restoration, we help homeowners throughout Central Ohio:
- Pinpoint and document all roof damage after a storm
- Work with adjusters to get fair evaluations
- Offer clear, no-pressure repair or replacement options
- Handle your project from inspection to final cleanup
We’ve worked with countless insurance companies and understand what it takes to make sure your claim gets taken seriously.
Why a Professional Roof Inspection Strengthens Your Claim
Let’s be real—insurance adjusters can miss things. Their job isn’t to protect your roof; it’s to assess the claim based on what they can quickly observe.
When you bring in a licensed roofer to inspect your roof beforehand, you’re giving your claim more credibility. That means:
- Fewer disputes over what’s covered
- A better chance at full compensation
- Peace of mind knowing no damage went unnoticed
How to Get the Most From Your Insurance Claim
Here are a few smart moves that can put you in the best position for success:
- Review your policy before storm season rolls in
- Stay on top of routine roof maintenance
- Keep receipts and documentation from past repairs
- Act fast if you suspect damage—waiting can cost you
- Choose a local, reputable contractor who understands the insurance process
FAQs About Roof Wind Damage and Insurance
Q: Will my insurance cover a full roof replacement after a storm?
It depends on the severity of the damage. If repairs wouldn’t restore full function or longevity, your insurer may approve a full roof replacement.
Q: How do adjusters determine what’s covered?
They assess the age and condition of your roof, the type of damage, and how clearly it can be tied to the storm.
Q: What if my claim gets denied?
You can appeal. A second opinion from a qualified roofer can often make a big difference in getting your claim approved.
Q: Can I choose who repairs my roof?
Absolutely. You’re not required to use the contractor your insurer recommends. Pick someone you trust—ideally a local company with a good track record.
Need Help After Wind Damage? Call Price Brothers Restoration
Roof damage doesn’t have to lead to insurance headaches. If a storm has hit your area and you’re not sure what to do next, we’re here to help.
Price Brothers Restoration offers reliable inspections, honest recommendations, and experienced support to help you navigate the insurance process with confidence.
Let’s get your roof—and your home—back in shape.
Call us today.
