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Discover how homeowners insurance covers wind damage to roofs in 2025. Learn about policy updates, claims processes, exclusions, and expert tips to protect your home.
Wind damage is one of the most common—and costly—threats to roofs in the United States. In 2025, severe storms, hurricanes, and derechos caused over $14 billion in insured losses nationwide. For homeowners, understanding how insurance covers wind damage to roofs is critical. This guide breaks down the latest policy changes, coverage rules, and expert tips to help you navigate claims and protect your home.
Yes, standard homeowners insurance policies typically cover wind damage to roofs if the damage is sudden and accidental. For example, if a tornado tears off shingles or a hurricane loosens your roof’s underlayment, your insurer should pay for repairs or replacements. learn more about storm damage roof repair services.
However, coverage depends on your policy terms, roof age, and maintenance history. Let’s explore what’s covered—and what’s not.
Wind damage from hurricanes, tornadoes, derechos, and thunderstorms is generally covered. For instance:
In 2025, 78% of wind-related roof claims were approved when damage was linked to verified weather events.
Hailstorms often accompany windstorms, and most policies cover:
If local building codes require upgraded materials during repairs, some policies cover these costs. For example, replacing old shingles with wind-resistant ones.
Insurance won’t cover damage from neglected roofs. Examples:
Many insurers now limit payouts for older roofs:
Surface-level issues (e.g., minor granule loss on shingles) are rarely covered unless they affect the roof’s function.
After a surge in claims from aging asphalt roofs, carriers like State Farm and Allstate now enforce stricter rules:
Insurers increasingly use actual cash value (ACV) payouts for older roofs instead of full replacement costs. For example, a 15-year-old roof might only receive 40% of replacement value.
In hurricane-prone states like Florida and Texas, policies often include separate wind deductibles (2–5% of home value).
Wind damage can strike unexpectedly, but with the right insurance knowledge, you’ll be prepared. Always document storm damage quickly, understand your policy’s fine print, and invest in preventive maintenance. As roofing costs rise—up 12% since 2023—a well-managed insurance claim could save you thousands.
Need Help? Consult a licensed roofer or public adjuster to review your coverage and ensure your home is protected against 2025’s storm risks.