Is Roof Damage By Wind Covered By Insurance?

Many homeowner policies cover wind damage sustained by a roof in San Antonio, commonly caused by heavy storms. Every policy is different, so it’s essential to check with your insurance company to verify the details. However, what qualifies as wind damage, and what steps can you take to repair the damage?

In this article, we’ll brief you on what wind damage is and how you can take action to repair it with your insurance policy and the best roofing company in San Antonio.

What is Considered Wind Damage?

Severe weather can cause wind damage to roofing in San Antonio. These winds are often called “straight-line” winds to avoid confusion with tornado damage. Powerful thunderstorms can easily rip up shingles and damage the roof’s integrity. The official classification of damaging winds is those that exceed 50-60 mph.

While a bit of wind may not seem like a big deal at first, roofing in San Antonio has to be able to withstand these extreme winds. Mobile homes are especially vulnerable to sustaining damage to the structure if not appropriately anchored before a storm hits.

Is Wind Damage Covered by Insurance?

In the event of extreme winds, the roof can be damaged or even destroyed. Thankfully, most insurance policies cover destruction to roofing due to wind. San Antonio homeowners will need to contact their insurance company to verify the specifications of their coverage, but most forms of wind damage are covered.

Coverage limits, deductibles, and exclusions vary by policy. You’ll also need to find a roofer in San Antonio that can fulfill the requirements to your policy’s expectations. The roof’s age and any maintenance issues may affect the total amount covered, but your roofer and insurance company will help you assess that.

What Can You Do About Wind Damage?

Winds can do a lot of harm to your roof in San Antonio. The city experiences severe storms throughout the year that wreak havoc on homes. 

The best way to handle it is to be proactive and prepared to hire a roofing company in San Antonio. Eliminate the threat of projectiles near the home to ensure that severe storms don’t launch anything into your roof. Know what your policy covers beforehand so you’re prepared to negotiate compensation after a wind event.

Carefully inspect your home after a storm to ensure there is no harm. If you notice signs of broken shingles or worse, call your insurance to discuss what your plan covers. From there, you can reach out to a roofer in San Antonio to begin the repair process. Planning can save you thousands in the long run. 

The Bottom Line

At the end of the day, storms are inevitable in the San Antonio region. It’s the homeowner’s responsibility to take precautions that are in the property’s best interest. 

Don’t wait for the next storm to pass! Damaging winds are a force to be reckoned with. Contact a professional team of roofers for a free quote that can help you shore up your home’s defenses in no time.