Recent High Winds – What Homeowners Need to Know About Roof Damage and Insurance Claims
You’ve likely noticed shingles scattered in yards or even found damage on your own roof after the recent high winds. The big question homeowners often ask:
Should I file an insurance claim or just repair the damage myself?
Here’s what you need to consider before making a decision.
1. How Bad Is the Damage?
Minor Damage (1-5 shingles missing, no leaks): If you only have a few missing shingles and there’s no evidence of interior leaks, a small repair might be the best route. A local roofer can typically fix minor issues for a few hundred dollars—often less than your insurance deductible.
Moderate to Severe Damage (Widespread shingle loss, leaks, or compromised roof integrity): If a significant portion of your roof is missing shingles, or if you see interior water stains, your roof may no longer be watertight. This is when filing a claim makes sense.
2. Why the Date of Loss Matters
Insurance claims must be linked to a specific event, which means the date of loss is crucial. In this case, if the wind damage occurred on [date of storm], your claim must reflect that.
Key Point: If your roof had prior hail damage from a previous storm, that damage won’t be covered under this new windstorm claim. Insurance policies only cover new, sudden, and accidental damage—not pre-existing conditions.
If your insurance adjuster sees older hail damage mixed with recent wind damage, they may attempt to deny or partially pay your claim. This is why proper documentation matters.
3. Steps to Take Right Now
If you suspect damage, follow these steps:
Take Photos & Videos – Capture missing shingles, debris, and any interior water damage. Check for Leaks – Look inside your attic or ceilings for any water intrusion. Get a Professional Inspection – A reputable roofing contractor or public adjuster (like PALCO Claims) can assess if your damage is worth filing a claim.4. Why a Public Adjuster Can Help
Insurance companies may try to minimize wind claims or even blame prior hail damage to avoid paying. We help ensure you get the full payout you deserve by:
Properly documenting the loss.
Negotiating with the insurer using facts, policy language, and evidence.
Preventing wrongful denials or underpayment.
Not sure if your damage qualifies for a claim? Contact PALCO Claims for a free consultation. We’ll give you honest advice on whether to repair or file.
(512) 553-6432