Wind damage claims guide
Wind claims often involve a separate deductible — know yours before you file
Wind damage claims are straightforward in principle but complicated by separate wind/hail deductibles and matching disputes.
What to document
Photos of all damaged areas: roof, siding, windows, fencing, outbuildings, trees on structures
NOAA wind speed data for your area on the date of the event
Photos of any interior damage caused by wind-driven rain entering through damaged areas
Receipts for emergency tarping or board-up services to prevent further damage
Your policy declarations page — note whether you have a separate wind/hail deductible
Any prior inspection reports showing the condition of siding, roofing, or windows before the storm
What adjusters look for
Whether the wind event meets the policy's threshold for a covered loss
Pre-existing damage vs. storm damage — adjusters will look for wear and deterioration
Matching issues on siding and roofing — whether undamaged sections must be replaced to match
Wind-driven rain — coverage depends on whether the rain entered through a wind-created opening
Common mistakes to avoid
Not checking your wind/hail deductible before filing — it may be higher than the damage
Failing to document wind speed data to establish the event occurred
Delaying emergency repairs — you have a duty to mitigate further damage
Accepting a partial settlement without understanding matching rights in your state
Need help with a claim in progress?
The RightQuote team can review your claim situation, connect you with a public adjuster if needed, and make sure you're not leaving money on the table.