Wind Damage Insurance Claims

Wind damage may be covered under your homeowners policy or a separate windstorm policy, subject to its exclusions, limits, deductibles and conditions; coastal properties may need separate windstorm coverage. No universal wind speed decides coverage. Wind-speed data matters as evidence of causation, showing the storm, not wear and tear, caused the damage. Straight-line winds, microbursts, and derechos can all cause significant damage even at lower sustained speeds due to their concentrated nature.

Report wind damage immediately or within 24-48 hours when possible. Wind damage can worsen rapidly due to water infiltration through compromised roofing and siding. Most policies require prompt notification, and delays can complicate your claim or reduce coverage.

Wind damage typically refers to straight-line winds from thunderstorms, microbursts, or derechos, while tornado damage involves rotating winds. Both are covered under most policies, but tornado damage often involves more complex debris patterns and requires specialized assessment techniques.

This depends on the extent of structural damage. If there's roof damage, broken windows, or compromised walls, it may be unsafe to remain in the home. We can help arrange temporary housing coverage through your insurance policy while repairs are completed.

We use thermal imaging to detect roof decking damage, structural engineering assessments for frame integrity, and specialized testing for window and door systems. Insurance adjusters often miss hidden damage like nail withdrawal, sheathing separation, and insulation displacement.

Many policies provide for reasonable temporary repairs that prevent further damage, such as tarping a damaged roof or boarding broken windows; reimbursement depends on the policy. Take reasonable, safe steps and keep all receipts and photos. Before permanent repairs, document the damage and give your insurer a reasonable chance to inspect. Do not wait for a settlement to make necessary repairs.