How Do You Know If Wind Damage Is Covered by Insurance?
Last updated October 26, 2026
The short answer
Read Your Policy
Start by reading the declarations page and the coverage sections of your homeowners policy. Look for the words "windstorm," "hail," or "wind damage" to see if they appear. Many standard policies cover wind damage to your home's structure, but some exclude it or have separate deductibles.
Also check the exclusions list. Flood damage is usually not covered under a standard policy, even if a storm caused the flooding. Wind-driven rain that enters through a damaged roof might be treated differently than water that rises from the ground. Policies vary, and your insurer decides what is covered.
- Look for a section titled "Perils Covered" or "Exclusions."
- Check if windstorm is listed as a named peril.
- Note any separate wind or hail deductible.
- See if flood coverage is a separate endorsement.
- Review the policy's definition of "windstorm" carefully.
Document the Damage
Before you call your insurance company, gather evidence. Take clear photos of every damaged area, including the roof, siding, windows, and any interior damage. Write down the date and time the storm occurred, and note the type of damage you see, such as torn shingles, broken branches, or cracked glass.
Keep receipts for any temporary repairs you make to prevent further damage, like tarping a hole in the roof. This documentation helps your claims process move more smoothly. If you live in Newark, keep a written record of the storm date and your repair receipts in a safe place.
Ask Your Insurance Company
Contact your insurance company directly to ask about your specific coverage. Explain what happened and ask if wind damage is a covered peril under your policy. Be prepared to describe the damage and provide your policy number. The representative can tell you if you have a wind deductible and what that amount is.
If you are unsure about any policy language, ask for clarification in writing. Keep notes of your conversation, including the date and the name of the person you spoke with. This helps if questions come up later. Policies vary, and your insurer decides what is covered.
When to Get Professional Help
If your claim is denied or you suspect water damage is involved, consider getting a professional assessment. Local water damage pros can inspect your property and document the extent of the damage. This information can support your claim or help you understand what repairs are needed.
For storm-related cleanup and restoration, you might need water damage cleanup services. A thorough inspection can identify hidden issues like moisture in walls or under flooring. The pros can also help with documentation that may be useful for your claim. For more details, see the related pages below.
Understand the Limits
Even if wind damage is covered, your policy may have limits or caps on certain types of damage, such as roof repairs or personal property. Review your policy to see if there are sub-limits for structures like fences or sheds. Also, understand that your deductible applies before coverage kicks in.
Be aware that if your home is in a flood zone, separate flood insurance is typically required. Wind and flood are often treated as different perils. If you are unsure, ask your insurance company to explain how they classify your damage. Policies vary, and your insurer decides what is covered.
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Call Now (973) 846-1705Frequently asked questions
What counts as wind damage?
Wind damage includes harm from strong winds, such as torn shingles, broken windows, or fallen trees hitting your home. It does not include flooding from rising water. Your policy defines what it considers wind damage, so read it carefully.
Does wind damage include water from rain?
Often, rain that enters through a wind-damaged roof is covered, but water that seeps in from the ground is not. Check your policy for "wind-driven rain" clauses. Your insurer decides based on the specific cause of the water entry.
What if my claim is denied?
If your claim is denied, ask for a written explanation. You can also request a review or appeal. Consider getting a professional water damage assessment to document the damage. Policies vary, and your insurer decides what is covered.
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