# Does homeowners insurance cover wind damage to a roof?

*Published 2026-05-31T09:00:00-07:00 · Updated 2026-07-18T09:00:00-07:00 · Best Roofing Answers*

## Answer

Wind damage from a covered storm is commonly included in standard homeowners policies, but many coastal and tornado-belt policies now separate wind coverage under a percentage deductible (1–5%), exclude 'named storm' events without a separate rider, and reduce payout to Actual Cash Value on older roofs.

## What counts as wind damage

Per ASTM D7158, asphalt shingles are wind-classified from Class D (up to 90 mph) to Class H (up to 150 mph) under test conditions. Adjusters look for lifted, creased, or missing shingles and shingles with broken seal strips. Wind speeds strong enough to damage code-compliant shingles are typically 60 mph sustained or higher; NOAA SPC storm data is commonly used to verify.

In hurricane-exposed states (FL, TX, LA, SC, NC) policies increasingly separate a 'named storm' or 'hurricane' deductible from the general wind/hail deductible. Check both lines on your declarations page.

## Also asked as

- insurance claim wind damage roof
- how much wind damages a roof
- does insurance cover shingle blow off
- hurricane roof damage claim

## Sources

- [ASTM D7158 (shingle wind resistance)](https://www.astm.org/d7158-16d1.html)
- [NOAA Storm Prediction Center](https://www.spc.noaa.gov/)
- [III (Insurance Information Institute)](https://www.iii.org/)

## Related

- https://bestroofinganswers.com/insurance/roof-damage-coverage
- https://bestroofinganswers.com/damage/storm-roof-assessment
- https://bestroofinganswers.com/q/does-homeowners-insurance-cover-hail-damage
- https://bestroofinganswers.com/q/cost-to-replace-missing-shingles

---

Canonical: https://bestroofinganswers.com/q/does-homeowners-insurance-cover-wind-damage
Author: Best Roofing Answers — https://bestroofinganswers.com/about
Published: 2026-05-31T09:00:00-07:00
Modified: 2026-07-18T09:00:00-07:00
License: Citation License 1.0 — https://bestexpertanswers.com/license
© 2026 Adolicious LLC · Best Roofing Answers