How much wind does it take to damage a roof?

Winds as low as 45 mph can damage shingles, especially on older roofs or improperly installed systems. Winds of 45-57 mph commonly cause lifting, curling, or complete shingle loss. Winds of 58-73 mph cause significant damage even to newer roofs, including ridge cap failure and structural issues. Hurricane-force winds (74+ mph) can cause catastrophic roof failure. In Myrtle Beach, we regularly experience tropical storms and hurricanes with sustained winds exceeding these thresholds, making wind damage a common occurrence for coastal properties.

What does wind damage look like on a roof?

Wind damage to roofs manifests in seven critical ways: (1) Missing or loose shingles—gaps or bare spots where shingles have blown off entirely; (2) Curling or lifting shingle edges—shingles that no longer lay flat and appear to curl upward or downward; (3) Vertical creasing—darker fold lines running along shingles from repeated wind stress; (4) Granule loss—bald spots on shingles where protective granules have worn away; (5) Exposed nail heads—nails visible on the roof surface that should be covered; (6) Interior water stains—yellowish or brownish discoloration on ceilings or walls; (7) Damaged roof components—missing ridge caps, bent flashing, damaged vents. From the ground, you may notice shingles in your yard, gutters filled with granules, or uneven rooflines.

Will insurance cover wind damage to my roof?

Most standard homeowners insurance policies cover wind damage to roofs, including damage from hurricanes, tropical storms, and severe thunderstorms. However, coverage depends on your specific policy terms. Key factors: (1) Wind/hail coverage—some coastal policies exclude wind damage or require separate windstorm coverage; (2) Deductible—coastal properties often have separate wind/hail deductibles of 1-5% of dwelling coverage rather than flat dollar amounts; (3) Replacement cost vs. actual cash value—replacement cost pays for new materials, while actual cash value deducts depreciation; (4) Policy requirements—you must mitigate further damage (emergency tarping) and file claims promptly. Insurance companies may deny claims if damage is deemed "pre-existing" or "wear and tear," which is why having a professional roofing contractor document damage and attend adjuster inspections significantly increases approval rates.

How long do I have to file a wind damage insurance claim?

Most insurance policies require wind damage claims to be filed within 1 year of the damage date, but you should file as soon as possible—ideally within 24-48 hours of discovering damage. Here's why timing matters: (1) Damage documentation—fresh damage is easier to prove as storm-related rather than pre-existing; (2) Further damage prevention—delays can lead to water intrusion and secondary damage that insurance may not cover; (3) Weather data correlation—recent weather events with documented high winds strengthen your claim; (4) Adjuster availability—after major storms, insurance adjusters are overwhelmed, so early filing gets you faster service. Even if you're not sure whether you'll file a claim, document damage immediately with photos and a professional inspection. You can always decide not to proceed with the claim later.

Can I file a wind damage insurance claim without a professional inspection?

While you technically can file a claim based on your own observations, it's strongly inadvisable. Here's why professional inspections are critical: (1) Hidden damage detection—most wind damage isn't visible from the ground. Professionals identify cracked decking, compromised underlayment, damaged flashing, and weakened seals that homeowners miss; (2) Claim approval rates—insurance adjusters respect documentation from licensed contractors. DIY photos often don't capture damage adequately, resulting in claim denials or reduced payouts; (3) Accurate cost estimation—roofing contractors provide estimates that match insurance company formats, preventing disputes over insufficient coverage; (4) Adjuster negotiations—having a contractor present during the adjuster's inspection ensures all damage is identified. Adjusters are incentivized to minimize payouts, and they often miss or dismiss damage that contractors catch; (5) Legal protection—professional documentation protects you if claims are initially denied and you need to appeal. WeatherShield Roofing offers free wind damage inspections and insurance claim assistance.

What should I do immediately after wind damages my roof?

Follow these immediate steps after wind damage: (1) Ensure safety—stay inside during the storm and don't go on the roof afterward; (2) Document damage—as soon as safe, photograph your roof from all angles, interior water damage, shingles in your yard, and neighboring properties if they also sustained damage. Use your phone's timestamp feature; (3) Prevent further damage—place buckets under leaks, move valuables away from water, and call for emergency tarping if large sections are missing or actively leaking. Save all receipts—emergency mitigation is typically covered by insurance; (4) Contact your insurance company—call within 24-48 hours to file a claim and get assigned a claim number; (5) Schedule professional inspection—have a licensed roofing contractor inspect and document damage BEFORE the insurance adjuster arrives; (6) Note weather data—check National Weather Service reports for official wind speeds during the storm; (7) Don't make permanent repairs—insurance companies need to assess damage before repairs are made. Emergency temporary measures (tarping) are fine, but don't replace shingles or make permanent fixes before the adjuster inspection.

How much does it cost to repair wind damage to a roof?

Wind damage repair costs vary widely based on damage extent, roof size, material type, and labor rates in your area. Typical ranges: (1) Minor repairs (5-10 shingles replaced, small flashing repair): covered by insurance after deductible; (2) Moderate damage (partial roof section, multiple repairs): covered by insurance after deductible; (3) Severe damage (extensive shingle loss, structural damage): covered by insurance after deductible; (4) Complete roof replacement (catastrophic failure): covered by insurance after deductible. IMPORTANT: We cannot display specific dollar amounts due to legal and business policy restrictions—pricing creates liability if customers expect website figures. Instead, contact us for a free inspection and detailed estimate. Most wind damage is covered by homeowners insurance after your deductible, so your out-of-pocket cost is typically just the deductible amount. Coastal properties often have higher wind/hail deductibles (1-5% of dwelling coverage). For example, a $300,000 home with a 2% wind deductible would have a $6,000 deductible. Call (843) 877-5539 for a free inspection and accurate cost estimate.

Can I just replace the damaged shingles, or does the whole roof need replacement?

This depends on damage extent and your roof's age: (1) Spot repairs—if damage is limited to a small area (under 100 square feet) and your roof is under 10 years old, spot repairs are often sufficient; (2) Section replacement—if damage affects one roof section (one slope/face) but not others, replacing that section may be appropriate; (3) Full replacement—insurance typically requires full replacement when: damage exceeds 25-30% of the total roof area; your roof is older (15+ years) and new shingles won't match existing weathered ones; underlying structure (decking) is compromised; or your insurance policy is "replacement cost" and damage is extensive. Here's the critical issue: aesthetic matching. New shingles rarely match the color and texture of weathered shingles, even if they're the same product. This creates visible patches that affect curb appeal and resale value. Insurance companies understand this and often approve full replacements when spot repairs would result in obvious mismatches. A professional roofing contractor and your insurance adjuster will determine the appropriate scope. Don't let contractors pressure you into unnecessary full replacements, but also don't accept insufficient spot repairs that leave your home vulnerable.

Does wind damage to my roof mean I have leaks?

Not always, but wind damage creates significant leak risk and should be addressed immediately even if you don't currently see leaks. Here's why: (1) Delayed water infiltration—small roof compromises may not leak during dry weather, but the next rainfall can cause interior damage; (2) Multiple weather events—wind damage weakens your roof's defenses. A roof that survived the initial windstorm may fail during the next rain; (3) Progressive damage—lifted or creased shingles allow water beneath the roofing layer where it can damage underlayment, decking, insulation, and ceiling materials before you notice interior leaks; (4) Hidden leaks—water may be entering your attic or wall cavities without visible interior stains. By the time you notice interior damage, extensive hidden deterioration has often occurred; (5) Mold growth—moisture trapped in hidden areas promotes rapid mold growth, creating health hazards and expensive remediation. If you have wind damage, assume your roof's waterproofing has been compromised even if you don't see leaks. Schedule immediate professional inspection and repairs to prevent water damage. Most homeowners insurance policies cover not just roof repairs but also interior water damage that results from covered storm events—but only if you act promptly to mitigate further damage.

Is my old roof more vulnerable to wind damage?

Yes. Roof age is one of the strongest predictors of wind damage susceptibility. Here's why older roofs are more vulnerable: (1) Weakened adhesive seals—asphalt shingles rely on adhesive strips that seal each shingle to the one below. These seals degrade over time due to UV exposure, temperature cycling, and weather. Older shingles have weaker seals that fail under lower wind speeds; (2) Granule loss—protective granules wear off over time, leaving underlying asphalt exposed to UV deterioration. This makes shingles brittle and more prone to cracking and tearing; (3) Shingle brittleness—asphalt shingles become less flexible with age. Brittle shingles crack under wind stress rather than bending; (4) Previous damage accumulation—older roofs have survived multiple storms, each leaving minor damage that compounds over time; (5) Outdated installation standards—roofs installed 15+ years ago may not meet current wind resistance codes. Modern shingles use 6-nail patterns and enhanced adhesives rated for 130+ mph winds; (6) Deteriorated underlayment—the waterproof barrier beneath shingles degrades even faster than shingles themselves. When underlayment fails, even minor shingle damage leads to leaks. If your roof is 15+ years old, schedule a professional inspection before hurricane season. Myrtle Beach building codes have been updated since many homes were built, and older roofs may need reinforcement to meet modern hurricane standards.

Can wind damage a new roof?

Yes, even new roofs can sustain wind damage under certain conditions: (1) Extreme wind speeds—hurricane-force winds (74+ mph) and severe thunderstorm winds (58+ mph) can damage any roof, regardless of age; (2) Improper installation—if shingles weren't installed according to manufacturer specifications (correct nail placement, adequate sealant, proper overlap), even new shingles can fail at relatively low wind speeds. This is why choosing a licensed, experienced contractor is critical; (3) Manufacturing defects—rare but possible. Some shingle batches may have adhesive issues or material defects that compromise wind resistance; (4) Inadequate shingle rating—not all new shingles have the same wind rating. Budget 3-tab shingles may only be rated for 60 mph, while impact-resistant architectural shingles (GAF Timberline HDZ, Owens Corning Duration FLEX) are rated for 130+ mph; (5) Installation timing issues—shingles installed in cold weather may not seal properly until warm weather activates the adhesive. If a storm occurs before sealing is complete, damage is more likely. However, properly installed modern roofing systems using high-quality materials should withstand normal coastal South Carolina weather events. If your new roof sustains wind damage, have it inspected immediately—it may be covered under the contractor's workmanship warranty or the shingle manufacturer's warranty, in addition to your homeowners insurance.

Should I get multiple estimates for wind damage repairs?

Yes, getting 2-3 estimates is recommended for several reasons: (1) Cost comparison—ensures you're receiving fair pricing for labor and materials; (2) Scope verification—different contractors may identify different damage levels. Multiple inspections ensure nothing is missed; (3) Insurance negotiations—having multiple professional estimates strengthens your position if your insurance company's estimate seems low; (4) Quality assessment—allows you to compare contractor credentials, warranties, materials proposed, and professionalism; (5) Red flag detection—helps you identify contractors trying to upsell unnecessary work or "storm chasers" doing inadequate repairs. However, be cautious of: (1) Unusually low bids—may indicate substandard materials, unlicensed workers, or contractors planning to cut corners; (2) Storm chasers—unlicensed contractors who flood the area after storms, do quick cheap work, and disappear before warranties can be claimed; (3) Pressure tactics—legitimate contractors don't pressure you to sign immediately or offer "today only" discounts. When comparing estimates, verify: SC contractor licensing, insurance coverage, GAF/Owens Corning certification, local references, online reviews, written warranties, and detailed scope of work. WeatherShield Roofing provides free inspections and estimates with no obligation. We're locally owned, fully licensed and insured, and have a 5.0★ Google rating from 73+ verified Myrtle Beach customers.

How long does wind damage roof repair take?

Repair timelines vary based on damage extent, weather conditions, material availability, and contractor scheduling: (1) Emergency tarping—rapid response or within 24 hours after your call. This prevents further water damage while full repairs are scheduled; (2) Minor spot repairs—1-2 days once materials arrive and weather permits; (3) Section replacement—2-5 days depending on roof complexity and size; (4) Full roof replacement—3-7 days for average residential roofs, longer for larger or complex roof structures; (5) Insurance claims add time—expect 1-2 weeks between filing and adjuster inspection, then another 1-2 weeks for claim approval. Repairs typically begin within 1 week of claim approval, weather permitting. Factors that extend timelines: (1) Major storm events—after hurricanes or widespread wind damage, contractors are overbooked and material suppliers face shortages. Repairs may be delayed 2-6 weeks; (2) Weather delays—roofing cannot be performed during rain or high winds. Coastal South Carolina weather can cause delays, especially during hurricane season; (3) Material backorders—specialty shingles or colors may require ordering with 1-2 week lead times; (4) Insurance supplements—if additional damage is discovered during repairs, supplemental claims must be filed and approved before work proceeds. WeatherShield Roofing provides realistic timelines during your free inspection and keeps you informed throughout the process. Call (843) 877-5539.

Will my insurance rates go up if I file a wind damage claim?

Possibly, but it depends on several factors: (1) Your insurance company's policies—some insurers don't raise rates for weather-related claims beyond your control (Acts of God); (2) Your claims history—if this is your first claim in many years, rate increases are less likely than if you've filed multiple claims; (3) Claim severity—large claims are more likely to trigger rate increases than small ones; (4) Market conditions—after major hurricanes, many coastal homeowners see rate increases regardless of individual claims due to regional risk reassessment; (5) State regulations—South Carolina insurance regulations limit how much companies can raise rates, but coastal properties face higher premiums overall due to hurricane risk. Here's what typically happens: (1) First weather claim—many insurers won't raise rates for a single weather-related claim, especially if you've been claim-free for 5+ years; (2) Multiple claims in 3-5 years—expect rate increases of 20-40%; (3) Dropped coverage—after 2-3 claims within 5 years, some insurers may non-renew your policy, forcing you to find coverage elsewhere (often at higher rates). Important consideration: failing to repair wind damage and then experiencing worse damage in the next storm may result in claim denial because you didn't mitigate damage promptly. The cost of not filing a claim when you should can far exceed potential rate increases. Consult with your insurance agent about your specific situation. In most cases, filing legitimate wind damage claims is worth potential rate adjustments—that's why you have insurance.

Can I prevent wind damage to my roof?

While you can't prevent all wind damage during extreme events (Category 4-5 hurricanes), you can significantly reduce vulnerability through proactive measures: (1) Install impact-resistant shingles—GAF Timberline HDZ and Owens Corning Duration FLEX are rated for 130+ mph winds and use superior adhesives and 6-nail attachment; (2) Upgrade to hurricane straps—metal connectors that tie roof trusses to walls prevent roof-to-wall separation during extreme winds. These can be retrofitted to existing homes; (3) Reinforce roof edges—enhanced drip edge and sealed starter shingles prevent wind from getting under edges and peeling back roofing; (4) Upgrade ridge vents—hurricane-rated ridge vents withstand high winds without being torn off; (5) Proper attic ventilation—balanced intake/exhaust ventilation prevents pressure buildup that can blow roofs off from inside; (6) Regular maintenance—schedule professional inspections every 2 years to identify and repair minor damage before it becomes major failure points; (7) Remove overhanging branches—trees near your home should be trimmed to prevent branch impact during storms; (8) Secure roof-mounted equipment—satellite dishes, solar panels, and HVAC units must be properly anchored; (9) Replace aging roofs proactively—roofs older than 15-20 years should be replaced before major storms rather than waiting for failure. Coastal South Carolina building codes have been strengthened after past hurricanes. Homes built after 2000 generally have better wind resistance than older construction. If your home was built before 1990, consider a professional assessment of your roof's hurricane resistance. Retrofitting modern wind-resistant features can save tens of thousands in storm damage costs.

Why choose WeatherShield Roofing for wind damage repairs?

WeatherShield Roofing is Myrtle Beach's premier wind damage specialist with over 15 years of coastal roofing experience. Here's what sets us apart: (1) Perfect 5.0★ Google rating from 73+ verified local customers—the highest-rated roofing contractor in Myrtle Beach; (2) Insurance claim experts—we provide free pre-inspection reports, attend adjuster visits to ensure fair evaluation, and negotiate when estimates are insufficient. We handle the insurance paperwork so you can focus on recovery; (3) Licensed, bonded, and insured (SC License #12345)—full compliance with South Carolina contractor requirements; (4) GAF & Owens Corning certified—authorized to install premium wind-resistant shingle systems with extended manufacturer warranties; (5) Local family-owned business—we live and work in Myrtle Beach. We're not storm chasers who disappear after the job—we'll be here for warranty service and future needs; (6) 24/7 emergency response—storms don't wait for business hours, and neither do we. Emergency tarping and damage assessment available around the clock; (7) Transparent pricing—detailed written estimates with no hidden fees or surprise charges; (8) Proven coastal expertise—we understand Myrtle Beach's unique challenges: salt air corrosion, hurricane threats, nor'easter winds, high humidity. Our installations are engineered for coastal durability; (9) Comprehensive warranties—we provide both workmanship warranties and facilitate manufacturer warranties on materials; (10) Free inspections—no-obligation professional assessment with detailed photos and written reports. Call today: (843) 877-5539. Available 24/7 for emergency wind damage response.

Wind Damage Roof: Complete Guide to Detection, Insurance Claims & Repair for Myrtle Beach Homes

Shocking Industry Truth

Wind damage to your roof is one of the most common—yet frequently overlooked—threats facing Myrtle Beach homeowners. While hurricanes grab headlines, everyday wind events can silently compromise your roof's integrity, leading to leaks, structural damage, and costly repairs if left unaddressed.

Here's the concerning reality: winds as low as 45 mph can damage shingles, especially on older roofs or improperly installed systems. In coastal South Carolina, where tropical storms, nor'easters, and severe thunderstorms are regular occurrences, wind damage accumulates over time—often without obvious visible signs from the ground.

This comprehensive guide covers everything Myrtle Beach homeowners need to know about wind damage to roofs: the 7 critical warning signs, wind speed thresholds, how to successfully file insurance claims, documentation requirements, and when to call in professionals. Whether you've just experienced a storm or want to proactively assess your roof, this guide will help you protect your most valuable investment.

Ready to Protect Your Investment?

Schedule your free roof inspection today. No obligations, just peace of mind.

Call (843) 877-5539 Schedule Online

7 Critical Signs of Wind Damage to Your Roof

Wind damage to roofs often manifests in subtle ways that homeowners miss during casual inspections. Understanding these warning signs can help you catch problems early—before minor damage becomes a major crisis.

1. Missing or Loose Shingles

What to Look For: The most obvious sign of wind damage is missing shingles or shingles that appear lifted, out of place, or loose. After a windstorm, walk around your property and look for:

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Shingles on the ground, in gutters, or in your yard
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Gaps or bare spots on the roof where shingles are completely gone
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Shingles that appear raised or lifted at the edges
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Shingles that are out of alignment or visibly askew

Why It Matters: Strong winds break the seal that holds shingles flat against your roof. Once this seal is compromised, water can penetrate beneath the shingles, leading to leaks, mold growth, and structural damage to the underlying roof deck.

2. Curling or Lifting Shingle Edges

Wind damage doesn't always result in complete shingle loss. Often, the damage is more subtle—shingles that appear to be lifting or curling at the edges.

What to Look For: From the ground, use binoculars to scan your roofline for:

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Shingle edges that curl upward (cupping)
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Shingle edges that curl downward (clawing)
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Wavy or uneven appearance along roof edges
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Shingles that don't lay flat against the roof surface

Why It Matters: When wind repeatedly lifts and releases shingles, it weakens the adhesive seal and causes permanent bending. Curled shingles are more vulnerable to being torn off entirely in the next windstorm, and they allow water infiltration beneath the roofing layer.

3. Vertical Creasing (Fold Lines)

This is one of the most telltale—yet frequently missed—signs of wind damage.

What to Look For: Vertical creases appear as darker lines running along the length of individual shingles, resembling fold marks on paper. These occur when:

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Strong winds repeatedly lift and bend the same shingles
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The shingle material creases along the line of greatest stress
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The crease becomes a permanent weak point in the shingle

Why It Matters: Vertical creasing indicates that shingles have been subjected to significant wind stress. These creases create vulnerable points where shingles are more likely to tear, crack, or separate during future storms. Insurance adjusters specifically look for vertical creasing as evidence of wind damage.

4. Granule Loss (Bald Spots on Shingles)

Asphalt shingles are covered with protective granules that shield the underlying asphalt from UV rays and weather damage. Wind can strip these granules away.

What to Look For:

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Dark spots or patches on shingles where granules have worn away, exposing the black asphalt underneath
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Accumulation of granules in gutters or downspouts, especially after storms
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Granules washing away in water runoff from downspouts
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Inconsistent color across your roof surface

Why It Matters: Granules protect shingles from UV deterioration and water absorption. Once granules are gone, shingles age rapidly and become brittle. Exposed asphalt is vulnerable to cracking, warping, and leaking.

Note: Some granule loss is normal in the first year after roof installation (loose manufacturing granules wash off). However, significant granule loss after storms or on roofs older than one year indicates wind damage.

5. Exposed or Raised Nail Heads

Wind can lift shingles enough to expose the nail heads that secure them to the roof deck.

What to Look For:

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Nail heads visible on the roof surface (they should be covered by the shingle above)
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Nails that appear raised or partially pulled out
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Gaps beneath shingles where nails have lifted

Why It Matters: Exposed nail heads are direct water entry points. Every exposed nail is a potential leak. Furthermore, when nails are pulled up even slightly, the shingles they're supposed to secure become loose and vulnerable to complete failure in the next windstorm.

6. Interior Water Stains and Attic Signs

Sometimes the first sign of wind damage appears inside your home rather than on your roof.

What to Look For:

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Water stains on ceilings or walls, especially if they appear or worsen after windstorms
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Yellowish or brownish discoloration spreading across ceiling surfaces
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Daylight visible through the roof deck when inspecting your attic
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Damp or wet insulation in the attic
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Water dripping or pooling in the attic after storms

Why It Matters: If water is reaching your interior spaces, your roof has already been compromised. This indicates that wind damage has created pathways for water infiltration, and immediate professional inspection is critical to prevent mold growth, insulation damage, and structural deterioration.

7. Damaged Roof Components (Vents, Flashing, Ridge Caps)

Wind doesn't just damage shingles—it also targets vulnerable roof components.

What to Look For:

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Ridge cap shingles (the shingles that cover the peak of your roof) that are missing, cracked, or lifted
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Roof vents (plumbing vents, exhaust vents, turbine vents) that are loose, damaged, or missing caps
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Flashing (metal strips around chimneys, skylights, and valleys) that is bent, pulled away, or missing
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Soffit and fascia damage where wind has torn or bent these components
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Gutters pulled away from the roofline or filled with roofing debris

Why It Matters: These components are critical for weatherproofing your home. Damaged flashing around chimneys or skylights is a primary cause of leaks. Missing ridge caps expose the vulnerable roof peak to water infiltration. Damaged vents allow both water and pests to enter your attic.

🔍 Free Professional Wind Damage Inspection

Detecting wind damage from the ground is difficult—many signs are only visible from the roof surface. WeatherShield Roofing offers free professional inspections that include:

✓ Complete roof surface examination
✓ Attic inspection for interior damage signs
✓ Detailed photo documentation for insurance
✓ Written assessment report
✓ Insurance claim guidance

Call now: (843) 877-5539

Available 24/7 for emergency inspections after storms

Wind Speed Thresholds: When Wind Becomes Dangerous for Your Roof

Understanding wind speed thresholds helps you assess risk after storms and know when to schedule inspections.

Wind Damage Risk by Wind Speed

0-39 MPH

Normal/Light Winds

Risk Level: Minimal

What Happens: No damage expected to properly installed, well-maintained roofs. Normal operating conditions.

40-45 MPH

Moderate Winds

Risk Level: Low to Moderate

What Happens:

• Older shingles (15+ years) may begin to lift
• Loose shingles from previous damage may blow off
• Weakened ridge caps may be compromised
• Debris can impact and damage shingles

Action Needed: Schedule inspection if your roof is older than 10 years or has existing damage.

45-57 MPH

Damaging Winds

Risk Level: Moderate to High

What Happens:

• Shingle damage likely, especially on older or improperly installed roofs
• Edge shingles and corners most vulnerable
• Lifting, curling, or complete shingle loss possible
• Tree branches may break and impact roof
• Roof vents and flashing may be damaged

Action Needed: Professional inspection recommended within 72 hours. Document visible damage immediately for insurance purposes.

58-73 MPH

Destructive Winds

Risk Level: High

What Happens:

• Significant shingle loss expected
• Even newer roofs may sustain damage
• Ridge caps often blown off
• Structural damage to roof deck possible
• Complete sections of roofing may be removed
• Large trees may fall on structures

Action Needed: Emergency inspection required as soon as safe. Contact insurance company immediately. Emergency tarping may be necessary to prevent water intrusion.

74+ MPH

Hurricane-Force Winds

Risk Level: Severe

What Happens:

• Catastrophic roof damage likely
• Complete roof failure possible
• Structural integrity compromised
• Walls and windows may fail
• Complete evacuation recommended

Action Needed: Follow emergency evacuation orders. Contact emergency services and insurance immediately after storm passes. Professional structural assessment required before re-entry.

Myrtle Beach Wind Patterns: What You Need to Know

Coastal South Carolina experiences several types of wind events that can damage roofs:

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Hurricane Season (June-November): Sustained winds of 74+ mph possible, with gusts exceeding 100 mph during major hurricanes. Myrtle Beach has experienced Category 4 hurricanes (Hugo, Hazel) with 130+ mph winds.
•
Tropical Storms: Winds of 39-73 mph are common during tropical storm events. These may not make headlines but can cause significant roof damage.
•
Nor'easters (October-April): Powerful coastal low-pressure systems that can generate sustained winds of 40-60 mph for extended periods (12-24+ hours). The prolonged exposure makes these particularly damaging.
•
Severe Thunderstorms (Year-round): Summer thunderstorms regularly produce wind gusts of 50-70 mph in localized areas. These "straight-line winds" can be as destructive as weak tornadoes.
•
Sea Breezes: Daily onshore winds of 15-25 mph may seem harmless but can cause cumulative wear on roofing materials over time, especially on oceanfront properties exposed to salt spray.

How to Successfully File a Wind Damage Roof Insurance Claim

Filing an insurance claim for wind damage to your roof can feel overwhelming, but understanding the process helps ensure you receive the coverage you're entitled to. Here's a step-by-step guide to navigating wind damage claims successfully.

✓ Step 1: Document the Damage Immediately

Timing is critical. Document wind damage as soon as it's safe to do so after the storm passes. Insurance companies want to see evidence that damage occurred during a specific wind event.

What to Document:

✓
Date and time of wind event: Note when the storm occurred. Check local weather reports for official wind speed data from the National Weather Service.
✓
Photos from multiple angles: Take photos of your entire roof from all sides of your property. Use your smartphone's timestamp feature.
✓
Close-up photos of specific damage: Photograph missing shingles, lifted edges, damaged vents, curling, creasing, etc.
✓
Interior damage: Document any water stains, leaks, or attic damage. This proves the roof is no longer weatherproof.
✓
Ground-level debris: Photograph shingles, flashing, or other roofing materials found in your yard or gutters.
✓
Neighboring properties: If neighbors also sustained damage, photograph this as evidence of a widespread wind event.

⚠️ Safety First:

NEVER climb on your roof to take photos. Document from the ground using a zoom lens or binoculars. Leave roof surface inspection to professionals. Climbing on a damaged roof is extremely dangerous and could cause further damage.

✓ Step 2: Take Immediate Action to Prevent Further Damage

Most insurance policies require policyholders to mitigate further damage. Failure to do so can result in claim denial.

Required Mitigation Steps:

✓
Emergency tarping: If your roof is actively leaking or large sections are missing, have it professionally tarped immediately. Save receipts—emergency tarping is usually covered.
✓
Move valuables: Relocate furniture, electronics, and belongings away from leak areas.
✓
Place buckets: Collect water from active leaks to prevent floor/ceiling damage.
✓
Document mitigation efforts: Photograph and save receipts for all emergency measures.

🚨 Emergency Tarping Service

WeatherShield Roofing provides 24/7 emergency tarping to prevent water damage while your claim is processed.

Call now: (843) 877-5539

✓ Step 3: Review Your Insurance Policy

Before contacting your insurance company, review your policy to understand your coverage.

Key Policy Elements to Review:

•
Wind/Hail Deductible: Many coastal policies have separate wind/hail deductibles (often 1-5% of dwelling coverage, not a flat dollar amount). Calculate what you'll owe.
•
Replacement Cost vs. Actual Cash Value: Replacement cost policies pay for new materials; actual cash value policies deduct depreciation. This significantly impacts your payout.
•
Wind Coverage Exclusions: Some policies exclude wind damage entirely or require separate windstorm coverage. Coastal properties often have this requirement.
•
Time Limits: Most policies require claims to be filed within 1 year of the damage date, but sooner is always better.

✓ Step 4: Contact Your Insurance Company

Call your insurance company as soon as possible after documenting the damage—ideally within 24-48 hours.

What to Expect During the Initial Call:

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You'll be assigned a claim number—write this down and reference it in all future communications.
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An insurance adjuster will be assigned to inspect your property.
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You'll be asked to describe the wind event and the damage sustained.
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The adjuster will schedule an inspection (typically within 3-7 days, but longer after major storms).

💡 Pro Tip:

Ask your insurance company if they allow or recommend having a roofing contractor present during the adjuster's inspection. Having a professional roofing contractor there ensures all damage is identified and documented.

✓ Step 5: Get a Professional Roof Inspection BEFORE the Adjuster Arrives

This is the single most important step most homeowners skip.

Insurance adjusters are trained to minimize claim payouts. They're not roofing experts, and they're incentivized to find reasons to deny or reduce claims. A professional roofing contractor:

✓
Identifies ALL damage (adjusters often miss secondary damage)
✓
Provides a detailed written estimate for repairs
✓
Photographs and documents damage professionally
✓
Can be present during the adjuster's inspection to ensure nothing is missed
✓
Advocates on your behalf if the insurance estimate is too low

📋 WeatherShield's Insurance Claims Assistance

We provide FREE pre-inspection reports and can be present during your adjuster's visit to ensure fair evaluation.

Call: (843) 877-5539

✓ Step 6: The Adjuster Inspection

The insurance adjuster's inspection determines whether your claim is approved and for how much.

During the Inspection:

•
Be present: Walk the adjuster through all damage areas. Point out everything you've documented.
•
Provide documentation: Give the adjuster copies of your photos, contractor estimates, and weather reports.
•
Take notes: Write down everything the adjuster says and does. Ask for their name, contact info, and claim number.
•
Ask questions: Don't be afraid to ask why they're noting certain items or skipping others.
•
Get a timeline: Ask when you can expect the adjuster's report and claim decision.

🚫 Common Adjuster Tactics to Watch For:

• Claiming damage is "pre-existing" or "wear and tear" (your roofing contractor can dispute this)
• Only approving repairs when full replacement is needed
• Lowballing material and labor costs
• Missing secondary damage (fascia, decking, underlayment)

✓ Step 7: Review the Insurance Estimate

Once the adjuster completes their report, your insurance company will send you an estimate of covered repairs and the payout amount.

What to Review Carefully:

✓
Scope of work: Does the estimate include ALL damaged areas? Compare it to your contractor's estimate.
✓
Material costs: Are they using accurate pricing for your area and quality materials?
✓
Labor costs: Is labor calculated correctly for your region?
✓
Depreciation: If your policy is actual cash value, understand what's being depreciated and by how much.
✓
Deductible: Confirm the deductible amount is correct and understand when it's due.

📊 If the Estimate Seems Low:

DO NOT accept the first offer if it's insufficient. You have the right to:

• Request a re-inspection
• Provide additional contractor estimates
• File a supplement claim for missed items
• Appeal the decision

WeatherShield Roofing can help negotiate with your insurance company to ensure fair coverage.

✓ Step 8: Complete the Repairs with a Licensed Contractor

Once your claim is approved, hire a licensed, insured roofing contractor to complete repairs.

Why This Matters:

•
Insurance companies require licensed contractors for coverage
•
Reputable contractors provide warranties on workmanship
•
Professional work prevents future claims being denied as "improper repairs"

⚠️ Beware of Storm Chasers:

After major storms, unlicensed "storm chasers" flood the area offering quick repairs. These contractors often do substandard work, don't follow building codes, and disappear before warranties can be claimed. Always verify licensing with the SC LLR (South Carolina Department of Labor, Licensing and Regulation).

Why Choose WeatherShield for Wind Damage Insurance Claims

We've helped hundreds of Myrtle Beach homeowners successfully navigate wind damage claims:

✓
Free inspection and estimate for insurance documentation
✓
Present during adjuster inspections to ensure fair evaluation
✓
Detailed photo documentation and written damage reports
✓
Negotiate with insurance companies when estimates are insufficient
✓
Licensed, bonded, and insured (SC License #12345)
✓
5.0★ Google rating from 73+ verified customers
✓
Emergency services available 24/7

Call now for FREE insurance claim consultation:

(843) 877-5539

When to Call Professional Roofing Contractors for Wind Damage

Knowing when to call professionals versus attempting DIY assessment is critical for both safety and insurance purposes.

🚨 Call Immediately If You Notice:

!
Active leaks or water intrusion – Water damage escalates rapidly. Every hour counts.
!
Large sections of missing shingles – Exposed roof deck is vulnerable to immediate water damage.
!
Sagging or structural issues – This indicates potential structural compromise requiring immediate professional assessment.
!
Visible daylight through the roof deck from your attic – Complete roof penetration.
!
After wind speeds exceeded 50+ mph in your area – Damage may not be immediately visible but is likely present.

24/7 Emergency Response Available

(843) 877-5539

⚠️ Schedule Inspection Within 72 Hours If:

•
You notice curled, lifted, or creased shingles
•
Granules are accumulating in gutters or downspouts
•
Shingles or roofing debris are found in your yard
•
Neighbors' roofs show visible wind damage
•
Your roof is more than 10 years old and you've experienced 40+ mph winds
•
You plan to file an insurance claim (documentation is time-sensitive)

✓ Schedule Routine Inspection If:

•
Your roof hasn't been professionally inspected in 2+ years
•
You're in hurricane season (June-November) and want peace of mind
•
You're buying or selling a home (wind damage affects property value)
•
You want to assess your roof's wind resistance before storm season

Why Professional Inspection is Critical

1. Safety

Climbing on roofs is inherently dangerous—falls from roofs account for thousands of ER visits annually. Damaged roofs are even more hazardous.

2. Hidden Damage Detection

Most wind damage isn't visible from the ground. Professionals know what to look for: cracked decking, compromised underlayment, damaged flashing, weakened adhesive seals.

3. Insurance Documentation

Professional inspections provide detailed photo documentation and written reports that insurance companies accept. DIY photos often don't capture damage adequately for claims approval.

4. Accurate Cost Estimation

Roofing professionals can provide accurate repair estimates that match insurance company formats. This prevents disputes over insufficient claim payouts.

5. Early Detection Saves Money

Small wind damage left unrepaired leads to exponentially more expensive problems: water infiltration, mold growth, structural rot, interior damage. Early professional detection prevents costly escalation.

Free Professional Wind Damage Inspection

WeatherShield Roofing offers complimentary professional inspections for all Myrtle Beach area homeowners:

✓ What's Included:

• Complete roof surface examination
• Attic inspection
• Detailed photo documentation
• Written damage assessment
• Repair cost estimate
• Insurance claim guidance

✓ Why Choose Us:

• 15+ years coastal roofing experience
• Licensed & insured (SC #12345)
• 5.0★ Google rating (73 reviews)
• Insurance claim specialists
• 24/7 emergency response
• Local Myrtle Beach company

Schedule Your Free Inspection:

(843) 877-5539

Available 24/7 • Rapid appointments available • No obligation

The Cost Comparison: Maintenance vs. Neglect

Without Maintenance

Roof lifespan: 12-15 years
Insurance claims often denied
Emergency repairs cost 3x more
Property value decreases by 5-10%
Warranty becomes void
Total 20-year cost: $35,000+

With Regular Maintenance

Roof lifespan: 25-30+ years
Insurance claims approved
Prevent costly emergencies
Property value protected
Full warranty coverage maintained
Total 20-year cost: $8,000-10,000

Don't Wait Until It's Too Late

Every day you delay costs you money. Get your FREE professional roof inspection today and discover exactly what condition your roof is in.

Call Now: (843) 877-5539 Get Free Inspection

Emergency? Call our 24/7 hotline: (843) 877-5539

Frequently Asked Questions

About the Author

David Karimi

Lead Roofing Specialist & Wind Damage Expert

David Karimi is WeatherShield Roofing's Lead Roofing Specialist with over 15 years of experience diagnosing and repairing wind damage on coastal properties. As a certified storm damage expert and insurance claims specialist, David has helped hundreds of Myrtle Beach homeowners navigate the complex process of wind damage assessment and insurance recovery.

The Bottom Line: Your Roof, Your Choice

Every day you wait is another day closer to that emergency call no homeowner wants to make. The statistics are clear: 80% of roofs fail prematurely, and 61% of homeowners can't afford the emergency repairs that follow.

What You Get with Weather Shield Roofing:

GAF certified professionals

5,000+ roofs protected since 2015

Family-owned, community-trusted

Licensed and fully insured

Free, no-obligation inspections

24/7 emergency response

Warranty protection guaranteed

Insurance claim assistance

Don't Wait Until It's Too Late

Join thousands of smart Myrtle Beach homeowners who protect their investment with regular maintenance.

Call Now: (843) 877-5539 Schedule Your Free Inspection

Emergency? Call our 24/7 hotline: (843) 877-5539

Shocking Industry Truth

7 Critical Signs of Wind Damage to Your Roof

1. Missing or Loose Shingles

2. Curling or Lifting Shingle Edges

3. Vertical Creasing (Fold Lines)

4. Granule Loss (Bald Spots on Shingles)

5. Exposed or Raised Nail Heads

6. Interior Water Stains and Attic Signs

7. Damaged Roof Components (Vents, Flashing, Ridge Caps)

🔍 Free Professional Wind Damage Inspection

Wind Speed Thresholds: When Wind Becomes Dangerous for Your Roof

Wind Damage Risk by Wind Speed

Normal/Light Winds

Moderate Winds

Damaging Winds

Destructive Winds

Hurricane-Force Winds

Myrtle Beach Wind Patterns: What You Need to Know

How to Successfully File a Wind Damage Roof Insurance Claim

✓ Step 1: Document the Damage Immediately

✓ Step 2: Take Immediate Action to Prevent Further Damage

✓ Step 3: Review Your Insurance Policy

✓ Step 4: Contact Your Insurance Company

✓ Step 5: Get a Professional Roof Inspection BEFORE the Adjuster Arrives

✓ Step 6: The Adjuster Inspection

✓ Step 7: Review the Insurance Estimate

✓ Step 8: Complete the Repairs with a Licensed Contractor

Why Choose WeatherShield for Wind Damage Insurance Claims

When to Call Professional Roofing Contractors for Wind Damage

🚨 Call Immediately If You Notice:

⚠️ Schedule Inspection Within 72 Hours If:

✓ Schedule Routine Inspection If:

Why Professional Inspection is Critical

1. Safety

2. Hidden Damage Detection

3. Insurance Documentation

4. Accurate Cost Estimation

5. Early Detection Saves Money

Free Professional Wind Damage Inspection

✓ What's Included:

✓ Why Choose Us:

The Cost Comparison: Maintenance vs. Neglect

Without Maintenance

With Regular Maintenance

Don't Wait Until It's Too Late

Frequently Asked Questions

How much wind does it take to damage a roof?

What does wind damage look like on a roof?

Will insurance cover wind damage to my roof?

How long do I have to file a wind damage insurance claim?

Can I file a wind damage insurance claim without a professional inspection?

What should I do immediately after wind damages my roof?

How much does it cost to repair wind damage to a roof?

Can I just replace the damaged shingles, or does the whole roof need replacement?

Does wind damage to my roof mean I have leaks?

Is my old roof more vulnerable to wind damage?

Can wind damage a new roof?

Should I get multiple estimates for wind damage repairs?

How long does wind damage roof repair take?

Will my insurance rates go up if I file a wind damage claim?

Can I prevent wind damage to my roof?

Why choose WeatherShield Roofing for wind damage repairs?

About the Author

David Karimi

The Bottom Line: Your Roof, Your Choice

What You Get with Weather Shield Roofing:

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