Wind Damage on a Roof: Signs, Thresholds, and What Insurers Cover
How to spot wind damage on a roof after a storm — and the wind speeds that reliably trigger insurance coverage.
Wind claims outnumber hail claims 2 to 1. Most policies cover damage from sustained gusts above 50 mph, but the burden of proof is on the homeowner.
Visible signs from the ground
Missing shingles — check the yard and neighbors' yards after the storm.
Lifted or curled shingles that don't sit flat, especially on ridges and eaves.
Exposed nails or unsealed shingle tabs.
Damaged ridge caps and torn flashing around chimneys.
Wind speed thresholds
45–57 mph (Gale): rare damage to modern shingles; older roofs may lose tabs.
58–74 mph (Storm): consistent shingle loss on aging roofs and lift on ridges.
75+ mph (Hurricane force): widespread damage regardless of roof age.
How to prove wind speed
NOAA Storm Events Database gives peak measured gust for your county on the storm date. Attach it to your claim.
Frequently Asked Questions
- Are lifted-but-not-missing shingles covered?
- Yes. Once the seal is broken, the shingle is compromised — insurers generally cover slope replacement when the pattern is consistent across a slope.
Storm damage on your roof?
Check live storm radar, then use our tools to document damage and estimate repair cost.