We had a storm with very high winds & It pulled up probably 100 asphalt shingles at different places on our roof. Will home insurance?

  • by Robert F
  • Feb 10,2015
  • 6 answers

Will the houseowner insurance only replace those shingles? The roof was put on about 15 years ago. It will look funny if they only replace the damaged shingles. If only effected shingles on the west and south sides. Will they replace the whole roof? Again it will look funny because the whole roof will not look the same.
Since the roof is 15 years old, will they prorate the cost to replace parts that are not damaged?


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Insurance Answers (6)

Beverly S 6 months ago

I think with 100 shingles you will get a new roof. It would cost more to try to replace a that many than to just replace them all with the labor involved. They may prorate due to age & you will pay your deductible. Homeowners always covers wind damage.

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Casey Y 6 months ago

You aren't getting a new roof out of this situation. It depends on your state and the specifics of the policy, but there should be some coverage.

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Whatevers 6 months ago

That depends on the state, and your insurance policies. Some will replace the entire roof at full cost, others will replace the area of the roof that's damaged, even a whole side, but not the entire roof.

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StephenWeinstein 6 months ago

Homeowners insurance will not replace the entire roof.
If they don't notice how old it is, and you don't tell them, then they will pay for replacement of the damage shingles.
If notice that it's 15 years old, or you tell them, then they might say that it's so old that it needed replacing anyway (before the storm) and therefore you have to pay for everything.

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JMJLLC 6 months ago

My best advice is, talk to your insurance agent before you file a claim. You may find that since it was a windstorm, it counts as an act of God and is not covered. You may find that they will give you a pro-rated check based on the fact that you've had 15 years of use out of your roof. But always remember that making a claim on your house insurance could in the long run come back and bite you. you still have to pay the deductible, and they may raise your rates. Good luck and remember, I am not an insurance agent, have not read your policy, and do not know for sure. But I am a homeowner and I have read my policy and the damage you describe would not be covered in it.

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mbrcatz 6 months ago

It depends on how your policy is written, and if you have a "matching" provision.
Also, you'll have a deductible - the cost to replace the shingles, minus your deductible. It's possible you have a separate wind deductible - which is usually 2% of the value of your house.
You'll want to look at your policy first, then get the estimate to repair - PRIOR TO filing that claim. It very well could be under your deductible.
BTW - in over 30 years of insurance, I've never seen a policy refer to an "act of God". Ever. This is wording you see in the movies, and from lawyers. Wind coverage is built into the standard homeowners form - as long as you don't have a wind exclusion added on, it should be covered.

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