Wind Damage vs Normal Wear: How to Tell

Wind Damage Characteristics

Pattern

• Concentrated in certain areas
• Often affects roof edges and ridges
• Follows the direction of wind flow

Appearance

• Shingles lifted or folded
• Clean tears or breaks
• Missing shingles in groups
• Exposed nail holes

Timing

• Occurs suddenly during a storm event
• Correlates with documented wind event
• Widespread damage in neighborhood

Normal Wear Characteristics

Pattern

• Affects entire roof evenly
• Gradual deterioration
• Not concentrated in wind-facing areas

Appearance

• Curling at edges
• Gradual granule loss
• Cracking throughout
• Moss or algae growth
• Fading and discoloration

Timing

• Develops over years
• No correlation to specific event
• Progressive worsening

How Insurers Distinguish

Adjusters look for:

• Event correlation - Was there a storm?
• Damage pattern - Random or systematic?
• Condition before event - Age and maintenance
• Neighboring properties - Similar damage nearby?

What's Covered vs Not Covered

Typically Covered (Wind Damage)

• Shingles blown off by wind
• Lifted shingles from wind uplift
• Debris impact from wind-blown objects
• Storm-related wear

Typically Not Covered (Wear)

• Age-related deterioration
• Poor maintenance
• Manufacturing defects (manufacturer warranty)
• Gradual failure

Documenting Wind Damage

To support your claim:

• Note the specific storm date
• Get weather reports
• Document damage immediately after the storm
• Check with neighbors about similar damage
• Keep records of roof maintenance

Key Takeaways

• Wind damage is sudden; wear is gradual
• Pattern matters - wind affects specific areas
• Document timing and storm evidence
• Maintenance records support your case