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Does home insurance cover wind damage to shingles?
There was a really bad windstorm last night. When I went to take our dog out this morning, I noticed that several of our shingles were on the ground. Will my home insurance cover wind damage to shingles?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That sounds like an intense wind storm! I’m glad there wasn’t any other damage. Home insurance should cover wind damage to shingles.
Wind is one of the
16 covered perils
in a home insurance policy. Since your shingles sustained damage in a windstorm, you can submit a claim to your insurance for coverage.That said, you are subject to a deductible when submitting a claim for damage to your home. Once you review your policy’s deductible, have a roofer come out to assess the damage. If the repair is more than you can afford and above your deductible, it’d be worth submitting a claim to your insurance.
If the repair is something you can easily afford, or it’s below your deductible, you shouldn’t submit a claim.
To confirm your coverage, be sure to speak with an agent or review your policy’s terms and conditions. Every insurance company is different, so your coverage may vary.
Since submitting a claim can increase your home insurance rate, consider using
Jerry
. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.View full answer
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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