Does Insurance Cover Roof Wind Damage in North Carolina?

Wind is a covered peril on most NC homeowners policies, but your policy, deductible and adjuster decide what is paid.

The short version

Sudden wind damage, like shingles blown off in a thunderstorm or a tropical system, is a covered peril on most homeowners policies. Wear and tear and old damage usually are not. Some policies carry a separate wind or hurricane deductible, so check your declarations page. See the N.C. Department of Insurance homeowners insurance page.

Signs of wind damage

• Missing, creased or lifted shingles
• Exposed underlayment or decking
• Damaged ridge caps and flashing
• Debris or fallen limbs on the roof

What to do after wind damage in the Triangle

1. Stay off the roof and photograph damage from the ground.
2. Call us to tarp any open areas and get a free inspection.
3. Give your insurer written notice right away; N.C. Gen. Stat. § 58-44-16 requires immediate written notice and a proof of loss within 60 days unless extended.
4. Keep receipts for temporary repairs.
5. Meet the adjuster. We work with any insurance adjuster.

How Roof Revivers helps

Roof Revivers has served homeowners since 2012. We are an Owens Corning Platinum Preferred Contractor and BBB A+ rated. Our Raleigh branch holds a 4.8-star Google rating from 54 reviews. Call (919) 794-5754.

This is general information, not legal advice. Your policy and adjuster decide coverage.

Questions we hear

Does homeowners insurance cover wind damage to a roof in NC?

Sudden wind damage is a covered peril on most homeowners policies; wear and tear usually is not. Your policy, deductible and adjuster decide coverage.

Is there a separate hurricane or wind deductible?

Some policies have one. Check your declarations page or ask your agent.

How soon do I need to report wind damage in NC?

Right away. N.C. Gen. Stat. § 58-44-16 requires immediate written notice and a proof of loss within 60 days after the loss unless your insurer extends it in writing.

Can you tarp my roof?

Yes. When a storm opens up your roof, the first job is keeping water out. We offer storm tarping to cover damaged areas until a permanent repair or replacement can be made.