Whether or not blown off shingles are covered by insurance will depend on the terms and conditions of your specific insurance policy. In general, most standard homeowners insurance policies will provide coverage for damage caused by wind, including damage to your roof and shingles.
However, there may be certain restrictions and exclusions in your policy that could impact your coverage. For example, some insurance policies may have a deductible that applies to wind damage, which means that you will be responsible for paying a certain amount out of pocket before your insurance coverage kicks in.
Additionally, some policies may limit the amount of coverage available for certain types of damage, such as damage to older roofs or roofs that have not been properly maintained. It's always a good idea to review your insurance policy carefully and speak with your insurance provider directly to understand what is covered and what is not covered under your specific policy.
If you do experience damage to your roof or shingles, be sure to take photos and document the damage before filing a claim with your insurance provider.
Should i take photos of damaged roof from the storm?
Yes, it's a good idea to take photos of any damage to your roof from the storm. Photographs can be helpful evidence when filing an insurance claim and can provide important documentation for any repairs or replacements that may be needed.
When taking photos, try to capture as much detail as possible. Take pictures from different angles and distances to provide a complete picture of the damage. You should also include close-up shots that clearly show the extent of the damage to individual shingles, as well as wider shots that show the overall damage to the roof.
In addition to photos, you may also want to make notes of the date and time of the storm and any other relevant information, such as wind speeds or other weather conditions. This information can help support your claim and provide a clear timeline of events. Remember to stay safe when inspecting your roof and taking photos.
If you are unable to safely access your roof, consider hiring a professional roofer, like For Valor Roofing, or inspector to assess the damage and take photos on your behalf.
Will my roof insurance only cover wind damage?
Whether or not your roof insurance will cover wind damage only will depend on the specific terms and conditions of your insurance policy. In general, most standard homeowners insurance policies do provide coverage for damage caused by wind, including damage to your roof.
However, it's important to review your policy carefully to understand the extent of your coverage. Some insurance policies may have exclusions or limitations for certain types of damage, such as damage caused by certain weather events or natural disasters.
For example, if your policy specifically excludes coverage for damage caused by hurricanes or tornadoes, you may not be covered for wind damage resulting from those events. Additionally, some insurance policies may have specific requirements or conditions that must be met in order for coverage to apply.
For example, your policy may require that you maintain your roof in good condition, or that you take certain steps to protect your home from wind damage, such as installing hurricane shutters.
If you have questions about your coverage or are unsure about whether a specific type of damage is covered under your policy, it's always a good idea to speak with your insurance provider directly. They can help you understand your policy and provide guidance on the claims process.