In most states, windstorm damage is typically covered by homeowner’s insurance. However, Florida homeowners living on or near a coast may live in high-risk areas that might require a separate wind insurance policy.
If your Southwest Florida home’s roof, gutters, or siding have suffered wind damage or other storm damage caused by a hurricane, the type of policy you have will determine whether your insurance covers it.
Wind Damage & Other Covered Perils
Hurricane damage can take many forms:
- Wind gusts over 50 mph can lift roofing materials, rip off siding, and detach gutters and downspouts.
- Hail can dent and crack gutters, create holes in siding, and fracture roofing shingles.
- Fallen trees can crush roofs and walls, allowing water infiltration that can lead to extensive structural damage and mold.
- Downed power lines cause similar problems as fallen trees but with the added risk of fire and electrical hazards.
Fallen trees and downed power lines caused by high winds may be covered by your homeowner’s insurance policy, but it’s imperative to consult your insurance company before filing a claim.
Signs of Wind Damage
Signs that high winds from a hurricane have caused structural damage to your home include:
- Missing or damaged shingles that leave your roof vulnerable to leaks and further storm damage if it’s not resolved.
- Dented or cracked siding that compromises the material’s protective barrier, potentially allowing water to seep into your home.
- Detached gutters and downspouts that disrupt drainage, causing water to pool near your home’s foundation.
- Leaks and water intrusion caused by severely damaged roofing, windows, and siding.
After a major storm, it’s vital to thoroughly inspect your home for these and other signs of structural harm, including sagging roofs. Signs of interior home damage, like wall discoloration and warped ceilings, can also indicate that you need storm damage repair.
Replacement Cost vs. Actual Cash Value
In wind insurance policies, replacement cost and actual cash value represent two different approaches to calculating property damage compensation:
- Actual cash value is the cost of replacing damaged property minus depreciation at the time of the loss. You’ll be reimbursed for the item’s current value, not what you paid or the market price.
- Replacement cost covers what you need to replace damaged property without depreciation. You’ll be entirely reimbursed at current market prices.
While both methods help with the cost of replacing or repairing your roof, gutters, or siding, the type of coverage you have can significantly impact how much assistance you receive from your insurer.
When Are Exterior Replacements Not Covered Under Insurance?
Most, if not all, homeowner’s insurance policies don’t protect against everyday wear and tear to roofs, gutters, and siding.
They also don’t cover damage caused by neglect or lack of maintenance and generally don’t include roofing, gutters, and siding that are older than their expected life spans.
Schedule Storm Damage Services With Allstate Construction Roofing Inc.
Allstate Construction Roofing Inc. provides comprehensive roofing and gutter services that help you weather the most intense Southwest Florida storms and restore your home to its prime condition.
When high winds and hurricanes damage your home’s exterior, you need a reliable contractor with the expertise and experience to get the job done right.
Allstate Construction Roofing Inc. provides exceptional exterior services for businesses and homes, including:
Call (239) 317-2000 now to request a free, no-obligation inspection for roof and gutter replacement in Southwest Florida.
