Does My Home Insurance Cover Roof Damages Caused by Wind in Fresno, CA?

Does Home Insurance Cover Wind Damage in Sacramento?

Living in Fresno, CA, means enjoying sunny weather most of the year, but when windstorms strike, they can wreak havoc on homes—especially roofs. Wind-related damage is a common concern for Sacramento homeowners. But does your home insurance cover the costs if your roof suffers damage from high winds? Let’s break down what you need to know, specifically tailored to Fresno residents.

How Windstorms Impact Fresno Homes

While Fresno may not experience hurricanes or tornadoes, strong winds—particularly during winter storms—can cause significant roof damage. High winds can:

Tear off shingles or tiles.
Loosen flashing and gutters.
Uproot nearby trees, causing them to fall on your roof.

Given these risks, it’s essential for Fresno homeowners to understand how their insurance policies address wind damage.

Does Home Insurance Cover Wind Damage in Fresno?

The good news is that most standard home insurance policies in Fresno include coverage for wind damage. However, there are important details you need to check:

What’s Covered?
- Damage caused directly by wind, such as missing shingles or structural roof damage, is typically covered.
- Secondary damage, like water leaks caused by wind-damaged roofs, may also be included, provided you acted promptly to mitigate further issues.
What’s Excluded?
- Damage from neglect or lack of maintenance isn’t covered.
- Some policies may have windstorm exclusions, especially in areas prone to extreme weather, though this is less common in Sacramento.
Your Deductible:
Sacramento homeowners often have a standard deductible or a percentage-based deductible for wind damage. Ensure you know how much you’ll pay out of pocket before your coverage applies.

Roof-Specific Factors That Could Affect Your Claim

Roof Age and Condition: Older roofs in Fresno may not be fully covered, as insurers often reduce payouts for depreciation.
Building Codes: Fresno has specific roofing codes, and insurance might only pay for repairs to meet those standards—not for upgrades.

What to Do After Wind Damage in Fresno

If your roof is damaged by wind, follow these steps to ensure a smooth insurance claim process:

Inspect Your Roof Safely: After a storm, check for missing shingles, damaged flashing, or debris. Use binoculars to inspect from the ground if the roof is not safe to access.
Document Everything: Take clear photos and videos of the damage. This documentation will support your insurance claim.
Contact Your Insurance Company: File your claim as soon as possible. Be ready to share your photos, videos, and a description of the damage.
Prevent Further Damage: Place a tarp or temporary covering over exposed areas to protect your home until professional repairs can be made.
Hire a Local Roofing Professional: Work with a trusted Sacramento roofing company, like Grandmark Service Company, to assess the damage, provide an estimate, and help navigate the insurance process.

Tips For Fresno Homeowners

Review Your Policy: Fresno homes are exposed to different risks compared to other regions. Ensure your policy includes wind damage and doesn’t have exclusions specific to your area.
Schedule Regular Roof Inspections: With Fresno’s hot summers and windy winters, annual roof inspections can prevent small issues from turning into costly repairs.
Invest in Roof Maintenance: A well-maintained roof is less likely to sustain damage during windstorms and more likely to be fully covered by insurance.

Why Choose Grandmark Service Company for Fresno Roof Repairs

With over 25 years of experience serving Fresno homeowners, Grandmark Service Company specializes in repairing and replacing roofs after wind damage. We:
Offer free roof inspections to assess storm damage.
Provide detailed estimates to help with insurance claims.
Ensure repairs meet Fresno’s building codes for long-lasting protection.

Contact Us For Free Estimates

Your roof is one of the most important investments for your home or business. Trust Grandmark Service Company to provide reliable, high-quality roofing solutions that stand the test of time.