How to Know If Your Storm Damage Is Covered
Intro
If your roof was recently hit by high winds or hail, you might be wondering if your homeowners insurance will help cover the cost to replace it. The truth is — you might qualify and not even know it yet.
In this post, we’ll explain the signs of qualifying storm damage, how the insurance process works, and what to expect when filing a claim.
What Type of Roof Damage Is Covered by Insurance?
Most standard homeowner policies cover sudden and accidental damage caused by storms, including:
– Wind damage (e.g. missing or creased shingles)
– Hail damage (granule loss, bruising, punctures)
– Falling tree limbs
– Water intrusion from storm-created openings
🔍 Wear and tear, age-related deterioration, and poor maintenance are usually not covered.
Signs Your Roof Might Qualify
– ✅ Creased shingles from wind folding them back
– ✅ Missing shingles or sections of roof covering
– ✅ Granule loss or bruising from hail impacts
– ✅ Leaking in the attic or ceilings after a storm
– ✅ Neighbors getting new roofs from the same storm
What Happens During an Insurance Claim?
- You get a free inspection from a licensed roofing contractor (like us)
2. We document all visible damage with photos and a report
3. If damage qualifies, we assist you in filing a claim with your insurer
4. We meet with your adjuster and ensure all damages are documented
5. When approved, nearly all policies cover full replacements, minus your deductible
Why Time Matters
Most policies have strict time limits for filing a claim — often within 1 year of the storm event. Also, some damage (like creased shingles or flashing issues) gets worse with time, which can weaken your claim.
Common Misconceptions About Insurance Claims
**“My roof is old, so I’m not covered.”**
✅ Age doesn’t matter if the damage was caused by a storm.
**“It’s not leaking, so it’s probably fine.”**
✅ Wind or hail can damage your roof without causing an immediate leak — but the long-term risk is real. By the time your roof starts leaking your insurance company will typically no longer cover the damages.
**“The insurance company will tell me if there’s a problem.”**
✅ Not always. Their adjuster works for them. We work for you.
Customer Testimonial
⭐️⭐️⭐️⭐️⭐️
“I would highly recommend this company to anyone. We had storm damage to our roof, Nick came out and tarped the damaged part. All I had to do is file the insurance claim. Nick did the rest. He worked with our insurance company from the beginning till the whole process was complete. Nick even came out when the insurance adjuster was here. He was very professional and he explained everything, to us throughout the whole process. We really love our new roof and gutters.”
– Bob R., Brecksville, OH
Schedule Your Free Storm Damage Inspection Today
At Nasti’s Roofing & Restoration, we’ve helped hundreds of homeowners in Bedford, Solon, Twinsburg, Hudson, and across Northeast Ohio get their roofs replaced through insurance, let us help you next
We handle the hard parts so you don’t have to.
🕵️♂️ Schedule your free storm damage inspection today — no pressure, no gimmicks, just answers.
📞 Call or text (216) 650-4334
📍 Serving all of Northeast Ohio
👉 Learn more about our Storm Damage Services: Storm Damage Restoration