Storm Damage
Physical damage to your roof and home caused by severe weather events such as hail, high winds, or falling trees.
Types of Storm Damage
Hail damage (punctures and cracks), wind damage (lifted and torn shingles), falling trees or branches, water infiltration from torn flashing.
Storm damage is usually sudden and visible. The key is documenting it before water damage spreads inside.
What's Covered
Insurance covers sudden storm damage from hail, wind, and falling objects. However, gradual deterioration from sun exposure or improper installation is NOT covered.
The damage must be from the storm event itself, not from pre-existing problems that the storm exposed.
Act Quickly
Document storm damage with photos within 24 hours. File your claim within 48 hours. The faster you act, the more evidence exists that it was storm damage, not pre-existing issues.