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Wind Damage

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 to Your Home

siding damageSigns 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.

Schedule a free, no-obligation wind damage inspection with Allstate Construction Inc. by calling (239) 372-9187 today.

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.

Exterior Home Damage That Is 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.

Contact us at (239) 372-9187 for a free, no-obligation inspection in Bonita Springs, Fort Myers, Naples, and the surrounding areas in Southwest Florida.

Schedule Storm Damage Services With Allstate Construction Roofing Inc.

Allstate Construction Roofing Inc. provides comprehensive storm damage repair 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.

COVID-19 Update

With all the ongoing reports and fear of COVID-19 that continue to develop we felt it necessary to express where we stand as a company.  Allstate Construction Roofing Inc. completes repairs or replacements to your roof, which is arguably the most important part of your home as it protects your assets and you and your family.  The health and safety of our customers and staff is our greatest concern.  We will continue to do our part to protect each individual throughout the roofing process.

The beauty of technology today is that much of our process can be done virtually with email, text message, satellite measurements, and, online signature platforms. While we may initially see you face to face, our staff has been instructed to maintain the six (6) foot distance as we will continue to do our part to protect our customers, your homes, and our staff in the safest way possible.

Please know that we are a family-owned business and we are doing everything we can to safely serve our customers.

The Owners of Allstate Construction Roofing Inc.


For up to date information about COVID-19 in Florida

Florida COVID-19 Update