Does homeowners insurance cover roof damage from high winds?
How strong is high?
The National Weather Service treats thunderstorm winds of 58 miles per hour or more as severe. Shingles are tested for wind resistance under standards such as ASTM D3161, where Class F is tested at 110 mph, and ASTM D7158, where Class G is rated for 120 mph and Class H for 150 mph. Those ratings assume the shingles are properly nailed and the adhesive strips have sealed. Older shingles with weakened sealant can lift in far lower winds.
Where wind attacks a roof
- Edges and rakes: uplift is strongest at the perimeter.
- Corners and hips: wind swirls create concentrated suction.
- Ridges: ridge caps peel back and blow off.
- Around openings: loose flashing and vents can catch wind and pull.
How insurers check
Adjusters compare your date of loss with gust readings, storm reports and radar. Localized downbursts can be stronger than what a distant airport station recorded, so your own photos, neighbors' damage and fallen limbs help. They also check whether damage clusters on the side that faced the storm.
Common reasons for a denial
- Unsealed shingles with no crease or tear.
- Nailing errors that let shingles blow off in modest winds.
- Damage that does not match any storm on record.
Document it right
- Note the date and time of the wind event.
- Photograph missing shingles, creases, and debris in the yard.
- Save blown-off shingles.
- Cover exposed decking.
More: wind damage roof claims and choosing the date of loss.