Does Homeowners Insurance Cover Wind Damaged Shingles?

If you’ve ever walked outside after a Colorado windstorm and noticed shingles scattered in the yard, you’re not alone. High winds can rip or lift shingles, leaving your roof exposed to leaks and further damage. The first question most homeowners ask is:

Does my homeowners insurance cover wind damaged shingles?

The short answer: In many cases, yes. But the details matter. Let’s break it down.

When Insurance Typically Covers Wind Damage

Most standard homeowners insurance policies list wind as a “covered peril.” That means if your shingles were blown off, torn, or loosened due to sudden wind gusts, you’re usually eligible for a claim.

Insurance often covers:

• Shingles blown completely off the roof

• Shingles lifted or curled from wind gusts

• Secondary water damage caused by missing shingles

Important note: Coverage depends on your specific policy, deductible, and the condition of your roof before the storm.

Common Exclusions to Watch For

While wind damage is often covered, there are some situations where insurance companies may push back:

• Wear and tear → If your roof was already in poor condition, they may call the damage “maintenance-related” instead of storm-related.

• Neglect → Skipping routine roof inspections can be used against you.

• Old roofs → Roofs over 20 years old may only receive partial coverage, or in some cases, none at all.

This is why documentation is everything — a roofing contractor’s inspection can make or break your claim.

How to File a Claim for Wind Damaged Shingles

Filing an insurance claim doesn’t have to be stressful. Here’s the typical process:

1. Schedule a Free Inspection
   Contact a roofing contractor like BCZC Roofing & Exteriors to inspect and document the damage.

2. Take Photos & Notes
   Capture the shingles on the ground, missing sections on the roof, and any indoor leaks.

3. Contact Your Insurance Company
   Report the damage and submit your evidence along with the contractor’s inspection report.

4. Meet the Adjuster
   Your insurance provider will send an adjuster to confirm the damage. Having your contractor present ensures nothing gets missed.

5. Approval & Repairs
   Once approved, your roof repair or replacement can move forward.

What If Insurance Denies the Claim?

Sometimes, insurance companies deny or limit coverage. If that happens, don’t panic. You still have options:

• Appeal the decision → Provide additional documentation.

• Request a second inspection → A roofing professional can offer supporting evidence.

• Evaluate your repair options → Even if insurance won’t cover a full replacement, targeted repairs may extend your roof’s life.

Preventing Future Wind Damage

You can’t stop Colorado winds, but you can make your roof more resistant:

• Get regular roof inspections, especially after major storms.

• Upgrade to Class 4 impact-resistant shingles, designed for hail and wind.

• Make sure your attic ventilation and installation are up to standard.

These proactive steps not only protect your roof but also strengthen future insurance claims.

Final Thoughts

So, does homeowners insurance cover wind damaged shingles?
In most cases, yes — if the damage is sudden, storm-related, and properly documented.

If your home was recently hit by strong winds, don’t wait until the next storm makes things worse.

👉 Book a free inspection with BCZC Roofing & Exteriors today. We’ll assess the damage, help with documentation, and guide you through the insurance process so you’re not left on your own.