The Four Most Common Types of Property Wind Damage

Wind damage is a leading cause of property loss, often resulting from severe weather events such as hurricanes, tornadoes, and thunderstorms. Understanding the common types of wind-related damages and their associated costs can help homeowners take preventive measures and ensure adequate insurance coverage.

1. Roof Damage:

High winds can lift, loosen, or remove shingles and tiles, leading to leaks and structural vulnerabilities. The average cost to repair wind-damaged roofs ranges from $2,000 to $10,000, depending on the extent of the damage.

2. Siding and Exterior Damage:

Strong winds can tear off siding, damage exterior trim, and break windows, exposing the interior to the elements. Repair costs vary widely based on materials and damage severity.

3. Fallen Trees and Debris:

Windstorms can uproot trees and send debris crashing into homes, causing significant structural damage. The cost of removing fallen trees and repairing impacted structures can add thousands to restoration expenses.

4. Water Intrusion:

Wind-driven rain can infiltrate through damaged roofs, windows, or siding, leading to interior water damage and potential mold growth. Addressing water damage promptly is crucial to prevent further complications.

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Financial Impact:

• Insurance Claims: Wind and hail account for approximately 34% of homeowners insurance claims, making them the most common causes of property damage (Policygenius, 2024).
  
  
• Repair Costs: The national average cost for storm damage repairs is around $12,404, with expenses ranging from $2,718 to $22,144, depending on the severity and location of the damage (Angi, 2024).
  
  

Preventative Measures:

• Regular Maintenance: Inspect and maintain roofs, siding, and windows to ensure they can withstand high winds.
  
  
• Landscape Management: Trim or remove trees and branches that could pose a threat during windstorms.
  
  
• Secure Outdoor Items: Anchor or store away outdoor furniture, equipment, and other items that could become projectiles in high winds.