How does wind damage a roof?
After a week of relentless rain and strong winds, it’s a relief to see the sun again. However, before you relax, you should check if the storm left your roof in need of attention. Indeed, hail, 100 mph winds, and flying debris can cause hidden damage like missing shingles or mysterious dents. Moreover, severe weather causes billions in roof damage annually, and older roofs are especially vulnerable. In fact, roofs over 20 years old face a 50% higher risk of significant storm damage compared to newer roofs. So, if a storm has recently passed through your neighbourhood, this guide will help you figure out how to tell if your roof has wind damage and manage minor issues before they turn into big problems.
When the wind howls and roars, your roof might bear the brunt of nature’s fury. But how does wind damage a roof exactly, and what kind of damage can it cause?
Direct Damage: The Wind’s First Strike
Imagine the wind as a relentless force trying to tear your roof apart. Strong gusts can rip away loose shingles or tiles, leaving your home exposed to the elements. Wind pressure doesn’t just blow things around, it can create serious structural issues. For example:
Lifting Force: Powerful winds can act like a giant hand trying to lift your roof off. If there are weak spots or existing damage, these winds can exacerbate the problem, lifting tiles or shingles from their place.
Crushing Impact: Conversely, wind can slam down on your roof with such force that it cracks tiles or shingles under its weight.
In fact, research shows that severe winds can increase roofing damage by up to 60% compared to milder breezes.
Collateral Damage: Secondary Effects of Wind
But wind doesn’t just directly damage your roof, it also stirs up a storm of secondary problems:
Debris Assault: Wind can hurl branches, leaves, and even trash onto your roof. If your roof already has vulnerabilities, this debris can cause further harm.
Falling Hazards: In extreme conditions, wind can knock over trees or telephone poles, resulting in severe damage. For instance, hurricane winds can reach up to 200 mph, powerful enough to cause major destruction.
So, what kind of wind speeds are we talking about when it comes to roof damage? Understanding this can help you prepare for severe weather and protect your home. Let’s dive into how different wind speeds affect roofing and what you need to know to safeguard your roof against the forces of nature.
What wind speed damages roofs in the UK?
Imagine your roof as the unsung hero of your home, standing guard against the forces of nature. Although it’s built to endure, moderate winds can test it, especially if those shingles are past their prime. Most standard roofs can handle wind speeds up to 110 mph, but builders design roofs in hurricane-prone regions for even harsher conditions. Wind can exert considerable pressure, and even mild gusts can reveal vulnerabilities. By understanding how these winds impact your roof, you can take action and safeguard your home.
How fast does wind need to be to damage a roof: Wind can be deceptive. While a gentle breeze isn’t concerning, increasing speeds bring higher risks. Here’s a peek into wind speeds and what they mean for your roof-
10-20 mph: At this gentle breeze level, you’re unlikely to see any roofing issues. However, persistent winds can eventually wear down materials over time.
20-30 mph: Light winds may cause leaves and small debris to land on your roof, but this usually doesn’t result in serious damage unless your roof is already weakened.
30-45 mph: As winds reach these speeds, you might see minor damage like loose shingles or small branches falling. It’s a good time for a quick roof inspection.
45-60 mph: These winds can break off larger branches and might dislodge or damage roof shingles, especially if they were already compromised. Regular maintenance and timely repairs can mitigate these risks.
60-75 mph: Strong winds in this range can cause severe damage. You could see significant shingle loss, and tree limbs might crash onto your roof. If a storm is approaching, it’s crucial to secure outdoor items and check your roof’s condition.
75+ mph: Extremely high winds can lead to major damage. Expect the possibility of roof shingles being torn off, structural elements being compromised, and severe debris impacts. High winds like this are typically associated with severe storms or hurricanes.
Severe Risk (70+ mph): Extreme weather conditions. Take immediate action to protect your property. Check for structural damage and consider seeking professional assistance for repairs.
Wind Speed Warnings in the UK: Be aware of weather forecasts and wind warnings-
Yellow Warning: Winds between 30-40 mph may cause minor damage. Stay alert for potential risks.
Amber Warning: Winds at 40-50 mph pose a greater risk of structural damage. Prepare your home and stay safe.
Red Warning: Extreme winds over 50 mph. Take immediate action to safeguard your property and seek shelter.
What does wind damage look like on a roof?
High winds are like an invisible force testing your roof’s limits, while the storm might be over, the damage could be just beginning:
Signs of wind damage include:
Loose or Missing Shingles: High winds can pull shingles right off your roof. If you see shingles in your yard or notice gaps up top, it’s a red flag.
Curling or Peeling Shingles: Wind can lift shingle edges, breaking their protective seal and inviting leaks.
Granules in the Gutter: If your gutters are filled with granules, it’s a sign that wind might be wearing out your shingles.
Debris Damage: Fallen branches or blown debris can create direct damage, like dents or cracks.
Structural Trouble: Over time, strong winds can weaken your roof’s structure, leading to leaks and rot.
Curious about the ins and outs of wind damage? Discover our in-depth guide on wind damage to learn how to identify problems and ensure your roof stays strong and safe!
How do you mitigate wind damage?
When strong winds hit, your roof can suffer more than just a scratch. If you’re worried about possible wind damage, follow these simple steps to get your roof back in shape and keep your home safe.
Call a Reliable Roofer:
Why It Matters: The right professional can make all the difference. Did you know that 75% of homeowners who worked with a certified roofer had a much better repair experience? A good roofer will assess the damage, provide a fair estimate, and help you with your insurance claim.
Here’s How to Do It:
Find a Trusted Roofer: Look for local roofers with great reviews and proper credentials. Ask for proof of insurance and check references to ensure you’re hiring someone you can trust.
Check Your Home Warranty: If you have a home warranty, see if it covers roof repairs. This could save you some money and make the process easier.
Pro Tip: When you meet with the roofer, get a written estimate and verify their insurance coverage to ensure you’re getting quality service.
Document the Damage Carefully:
Why It Matters: Good documentation helps with your insurance claim. A recent study showed that homeowners who documented damage properly were 68% more likely to get a fair settlement from their insurance company.
Here’s How to Do It:
Inspect and Photograph: Take a walk around your property and look for any signs of damage, like missing shingles or broken gutters. Snap clear photos from different angles to capture all the damage.
Make Detailed Notes: Write down what you see and describe the damage. This will be useful for your insurance claim and when discussing repairs with your roofer.
Pro Tip: Make sure your photos are clear, timestamped, and show the damage from different perspectives. This will help your insurance adjuster see exactly what happened.
File a Claim with Your Insurance Company:
Why It Matters: Filing a claim correctly is key to getting the coverage you need. The Insurance Information Institute found that 30% of homeowners who didn’t document their damage properly faced problems with their insurance claims.
Here’s How to Do It:
Report the Damage: Contact your insurance company and provide them with the photos and notes you’ve gathered. This starts the claims process and helps you get the repairs covered.
Review Your Policy: Check what your insurance covers and any deductibles you might have to pay. Understanding your policy helps you manage expectations.
Pro Tip: Be prepared for negotiations. Insurance companies might offer less than what’s needed, so having detailed documentation and a professional repair estimate is crucial.
Schedule Your Roof Repairs:
Why It Matters: Getting repairs done quickly prevents further damage. According to the National Roofing Contractors Association, addressing roof damage promptly can save you from more extensive and costly repairs later.
Here’s How to Do It:
Book the Repair Work: Once you know how you’re covering the costs, schedule the repairs with your roofer. If the damage is severe, you might need a temporary tarp to protect your home until repairs are complete.
Stay in Touch: Keep communication open with your roofer to make sure everything is on track and address any concerns you might have during the repair process.
Pro Tip: Ask your roofer for a clear timeline for the repairs and any temporary measures they will take. This helps you understand what to expect during the repair process.
Does building insurance cover roof repairs in the UK?
Roof damage often leaves homeowners questioning whether wind or another weather-related factor caused the issue, and if their insurance policy covers it.
Dealing with hurricane or windstorm damage is tough, but understanding your insurance can save you time and money. Most homeowners’ policies cover wind damage, including hail, but specifics vary. Review your policy to know what’s included and your deductible, the out-of-pocket amount before coverage kicks in.
Policies may have exclusions or conditions, such as not covering hurricane or tornado damage or requiring preventive measures. Knowing these details is crucial.
For a smooth claims process, document everything, take detailed photos, save repair receipts, and follow your insurer’s guidelines. Quick reporting and clear communication help significantly.
For more clarity on your coverage and deductibles for specific events, don’t hesitate to call your insurance provider. Understanding these aspects will help you navigate the often confusing world of insurance claims for wind damage, ensuring you’re prepared and less stressed when you need to be.
Wrapping It Up
After a storm, your roof might be more than just a little shaken up. Understanding wind damage and knowing what to look for can save you from bigger headaches down the line. Whether it’s inspecting for visible damage, checking wind speeds, or filing an insurance claim, staying proactive is key.
Don’t wait for leaks to start, act now to protect your home! If you’re unsure about any damage or need professional repairs, contact us today. We’re here as your reliable roofing specialists.
