How Does Wind Damage Differ From Hail Damage?

Wind damage happens when strong gusts lift or peel materials off your home. Shingles can curl, tear, or blow away entirely, and siding may crack or detach. Wind can also topple trees or branches that strike your roof, windows, or fences.

Water intrusion is a common secondary effect. If wind removes shingles or damages flashing, rain can seep into the underlayment and attic. That moisture can lead to rot and mold if not addressed quickly. Inspect your roof and exterior after any severe wind event.

Wind damage tends to be visible as missing or displaced materials, like a bare spot on your roof or a loose gutter. Hail damage shows up as dents, cracks, or circular marks on surfaces, often with a pattern from the storm's direction.

Wind often affects the edges and ridges of a roof, while hail hits the flat areas more uniformly. Wind can also cause structural issues like a shifted chimney or damaged soffit. Hail rarely moves materials, but it can weaken them over time.

If you have damage, document it with photos and notes before any repairs. Take pictures of missing shingles, dents, and any water stains. Keep records of the storm date and any temporary measures you take, like tarping a roof.

Policies vary, and your insurer decides what is covered. Your documentation helps your claim process. For extensive water damage, consider a professional inspection to identify hidden issues. Local pros can assess the extent and help with cleanup if needed.

• Take wide and close-up photos of all damage
• Note the date and time of the storm
• List any temporary fixes you made
• Keep receipts for materials you bought
• Record water stains or musty odors inside
• Save any communication with your insurance company