Wind Damage Roof Claim – To File or Not to File


Wind Damage Roof Claim – To File or Not to File?

Are you facing Wind Damage Roof to your roof? As a seasoned roofing contractor with decades of experience, I understand the dilemma homeowners face when deciding whether to file an insurance claim for wind damage. In this blog post, we’ll delve into the intricacies of wind damage roof claims, offering detailed tips and examples to help you make an informed decision.

Understanding Storm Damage

Storms can wreak havoc on your roof, causing shingles to blow off, trees to fall, and gutters to become damaged. When confronted with such damage, the question arises: Should you file an insurance claim?Roof-Wind-Damage

Roof Inspections: The First Step

The first step in determining whether to file an insurance claim is to conduct a thorough roof inspection. Take a cue from our family-owned business, Ernie’s Roofing, which has been serving Denver since 1978. We’ve handled countless storm damage cases, and our expertise can guide you through this process.

Example 1: Minimal Damage

Consider a scenario where only a few shingles are missing from your roof. In such cases, it may not be necessary to file an insurance claim. However, always err on the side of caution by conducting a comprehensive inspection to ensure no underlying damage exists.

Example 2: Significant Damage

On the other hand, if your roof has sustained significant damage, such as a tree limb penetrating the roof or multiple shingles blown off, filing an insurance claim may be warranted. Remember, safety should always be your top priority. If your roof is compromised, seek professional assistance immediately.

Factors to Consider Before Filing a Claim

When contemplating whether to file an insurance claim for wind damage, several factors come into play:

  • Severity of Damage: Assess the extent of damage to your roof and property.
  • Insurance Coverage: Review your insurance policy to understand what is covered.
  • Deductible: Consider your deductible amount and whether the repair costs exceed it.
  • Claim History: Evaluate your past claim history and its impact on future premiums.

Why You Should Trust Ernie’s Roofing

At Ernie’s Roofing, we pride ourselves on our integrity and professionalism. As a licensed roofing contractor, we have the expertise to handle all aspects of storm damage repair, from roof replacement to seamless gutter installation.

FAQs About Wind Damage Roof Claims

1. What should I do if my roof sustains storm damage?

If your roof is damaged during a storm, the first step is to assess the extent of the damage and prioritize safety. Then, contact a licensed roofing contractor like Ernie’s Roofing to conduct a thorough inspection and provide recommendations.

2. Will my insurance cover wind damage to my roof?

Whether your insurance policy covers wind damage depends on the specifics of your policy. Review your policy or consult with your insurance agent to understand your coverage.

3. How do I know if I should file an insurance claim?

Factors such as the severity of the damage, your deductible, and your claim history can influence whether you should file an insurance claim. Consulting with a trusted roofing contractor can help you make an informed decision.

4. What if the damage to my roof is minor?

If the damage to your roof is minor, such as a few missing shingles, it may not be necessary to file an insurance claim. However, it’s essential to address any damage promptly to prevent further issues.

5. What if my insurance claim is denied?

If your insurance claim is denied, you still have options. You can work with your roofing contractor to explore alternative solutions or appeal the decision with your insurance company.

6. How long do I have to file an insurance claim for wind damage?

The timeline for filing an insurance claim for wind damage can vary depending on your insurance policy and state regulations. It’s best to file a claim as soon as possible after the damage occurs.

7. Should I get multiple estimates before filing an insurance claim?

While getting multiple estimates can provide you with a range of options, it’s not always necessary before filing an insurance claim. Working with a reputable roofing contractor like Ernie’s Roofing can streamline the process.

8. Can I repair wind damage to my roof myself?

While minor repairs may be possible for skilled DIYers, it’s generally recommended to hire a licensed roofing contractor for wind damage repair. Professional contractors have the expertise and equipment to ensure repairs are done correctly and safely.

9. Will filing an insurance claim increase my premiums?

Filing an insurance claim for wind damage may lead to an increase in premiums, depending on your insurance company’s policies. However, the impact on your premiums can vary, so it’s essential to weigh the potential costs and benefits.

10. How can I prevent wind damage to my roof in the future?

To minimize the risk of wind damage to your roof, ensure proper installation and maintenance of your roofing materials. Regular inspections and prompt repairs can also help identify and address potential issues before they escalate.


In the aftermath of a storm, navigating the process of filing an insurance claim for wind damage can be daunting. However, with the guidance of a trusted roofing contractor like Ernie’s Roofing, you can navigate this process with confidence. Remember to prioritize safety, assess the extent of the damage, and consult with professionals to determine the best course of action. Your roof is your home’s first line of defense, so ensure it receives the care and attention it deserves.

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Upgrade your roof with Ernie’s Roofing and give it the care it deserves! Our team of experts is ready to revamp your roofing, ensuring that every shingle and tile is placed properly to enhance its impact and durability. Contact us today at (720) 346-7773 or visit our website at for more information about our service!

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