Is Wind Damage Covered Under Insurance?

Posted on by msi-admin

When strong winds sweep through an area, they can leave a trail of destruction, from torn-off shingles and broken windows to fallen trees and structural damage. If you’re dealing with the aftermath of a windstorm, one of your first questions may be: Is wind damage covered under insurance? The answer depends on your specific policy, but in many cases, homeowners’ insurance does cover wind-related damage. However, complications arise when wind damage leads to other issues—especially water damage.

What Does Homeowners Insurance Typically Cover?

Most standard homeowners’ insurance policies do cover wind damage, particularly from storms, hurricanes, and tornadoes. This usually includes:

However, coverage can vary based on where you live. In hurricane-prone areas, for example, some policies may have higher deductibles for wind-related claims, or they may exclude windstorm damage altogether unless additional coverage is purchased.

The Hidden Risk: Water Damage After Wind Damage

One of the most overlooked aspects of wind damage is how it can lead to water intrusion. If your roof is compromised, shingles are torn off, or windows are broken, rainwater can enter your home, causing further destruction. Water damage from wind-related issues can result in:

  • Ceiling leaks and water-stained walls
  • Mold growth due to trapped moisture
  • Damaged insulation and structural weakening
  • Electrical hazards from water exposure

While insurance policies generally cover water damage if it’s a direct result of wind damage, things get complicated when insurers determine whether the water came from rain entering through a damaged structure or from rising floodwaters.

Wind vs. Flood Damage: Understanding the Difference

Insurance companies often make a key distinction between wind-driven rain (which is usually covered) and flooding (which typically requires separate flood insurance). If water enters your home because wind damaged your roof or windows, it is generally covered. However, if water damage results from storm surge, overflowing bodies of water, or groundwater seeping in, standard policies do not cover it—this falls under flood insurance.

Steps to Take After Wind and Water Damage

If you’ve suffered wind-related damage to your home, here’s what you should do:

  1. Document the Damage: Take photos and videos of any wind and water-related damage as soon as it is safe to do so.
  2. Prevent Further Damage: If possible, cover broken windows and damaged areas with tarps or boards to prevent additional water intrusion.
  3. Contact Your Insurance Provider: Report the damage promptly and provide as much evidence as possible.
  4. Schedule Professional Water Damage Restoration: Prompt cleanup is crucial to prevent mold growth and long-term structural issues.

Need Help After Wind and Water Damage?

Dealing with storm damage can be overwhelming, especially when water is involved. At MSI, we specialize in water damage restoration, mold remediation, and emergency storm damage cleanup. Our team can help assess the damage, dry out affected areas, and restore your property to pre-loss condition. If you’re dealing with wind and water damage, don’t wait—contact us today to get expert help.

Winter Roof Leaks – How to Spot and Stop Water Damage

Posted on by msi-admin

Winter weather can be tough on homes, especially when it comes to your roof. Snow, ice, and fluctuating temperatures create the perfect conditions for leaks to develop. Left undetected, these leaks can lead to significant water damage, mold growth, and costly repairs. Here’s what homeowners need to know about spotting and stopping winter roof leaks before they become a major problem.

Common Causes of Winter Roof Leaks

  1. Ice Dams – When snow melts on a warm roof and refreezes at the eaves, it creates a dam that traps water behind it. This water can back up under shingles and seep into the home.
  2. Heavy Snow Accumulation – Excessive snow adds weight to the roof and can cause stress on weak spots, leading to leaks.
  3. Condensation in the Attic – Poor insulation and ventilation can cause warm air from your home to rise and condense in the attic, leading to moisture buildup and eventual leaks.
  4. Cracked or Missing Shingles – Winter storms and high winds can damage shingles, creating openings for water to penetrate.
  5. Flashing Damage – The metal flashing around chimneys, vents, and skylights can deteriorate or become loose, allowing water to seep in.

Signs of a Winter Roof Leak

  • Water stains on ceilings or walls
  • Peeling paint or bubbling drywall
  • Damp or musty smells in the attic or upper floors
  • Visible ice dams forming along the roof’s edge
  • Icicles hanging from the gutters (a sign of poor drainage)
  • Soft or sagging spots on the roof

How to Prevent Winter Roof Leaks

  • Keep Gutters Clean – Remove leaves and debris to allow melting snow and rainwater to drain properly.
  • Improve Attic Insulation and Ventilation – Proper insulation helps maintain consistent roof temperatures, preventing ice dams and condensation issues.
  • Remove Snow Safely – Use a roof rake to clear snow buildup and reduce stress on the roof.
  • Seal Roof Penetrations – Check around chimneys, vents, and skylights for any gaps or cracks and apply proper sealing materials.
  • Schedule a Professional Roof Inspection – A roofing professional can identify weak spots and recommend repairs before they turn into costly leaks.

What to Do If You Discover a Leak

If you suspect a roof leak, act quickly to minimize damage:

  • Place a bucket or container under drips to catch water.
  • Dry out affected areas to prevent mold growth.
  • If safe, remove excess snow from the roof to reduce water accumulation.
  • Contact a professional for immediate repairs and water damage restoration.

Final Thoughts

Winter roof leaks can be a homeowner’s worst nightmare, but with the right preventative measures and quick action, you can minimize damage and costly repairs. If you suspect a leak, don’t wait—address it immediately to protect your home from further harm. Our water damage restoration team at MSI in on call no matter the time or date, and we’ve helped thousands of home and business owners alike get back to the norm they know in a quick, safe and cost effective manner.