Storm & Wind Damage on Your Roof: What to Do First
Wind and storms cause damage that is often invisible from the ground. Missing shingles are obvious — lifted flashing, broken seals, and micro-fractures are not. Here is how to protect your home and your claim.
Immediate safety steps
- Stay off the roof. Period.
- Check for downed power lines and gas smells before entering any damaged area.
- Turn off electricity at the breaker if water is entering near fixtures.
- Move valuables out of the affected zone.
Damage to document from the ground
- Missing, lifted, or creased shingles
- Shingles in the yard, driveway, or gutters
- Bent or lifted flashing around chimneys and vents
- Dented or separated gutters and downspouts
- Damage to fences, sheds, and HVAC units (supporting evidence)
- Interior water stains and sagging ceiling
Types of wind damage
Lift damage is the most common — wind gets under the shingle and pulls the seal apart. The shingle may look fine from the ground but leak in the next rain.
Creasing is a shingle folded by wind and flattened back. It looks slightly different from a pristine shingle and is often denied unless documented.
Debris impact is usually obvious — but proving it was storm-related (not a mower or a limb) requires photo evidence.
Filing the claim
See our insurance claim checklist for the full step-by-step. The critical rule: document before you repair.
Frequently asked questions
How do I know if shingles were damaged by wind or age?
Age-related wear is uniform across slopes. Wind damage is concentrated on the upwind side and often shows creases or missing pieces on one section only. A contractor inspection is worth the cost.
Is a missing shingle an emergency?
Usually not same-hour, but do not wait weeks. A missing shingle exposes the underlayment, which degrades quickly. Tarp or repair within days.
Should I repair or replace the roof after storm damage?
If more than 25–30% of the roof is damaged or the roof is over 15 years old, replacement is often more economical. Your insurer's estimate will help decide.
How long after a storm can I file a claim?
Typically 1–2 years from the date of loss, depending on state and policy. But file immediately — late reporting is a common reason for reduced payouts.
Related guides
Hail vs. wind damage · Tree fell on roof · Avoiding scams · Claim checklist