Hailstorms are a real problem in Texas, so you need insurance that covers roof damage. State Farm roof replacement wind damage insurance usually covers damage caused by wind, but there have been reports of them refusing to pay claims. State Farm offers coverage for hail damage, but how can you be sure they’ll pay out fairly? This article explains when State Farm might deny a claim and how you can ensure your property is covered. Here, we will know the ins and outs of filing a State Farm roof wind damage claim.
State Farm Roof Replacement Wind Damage
Roof repairs can cost a fortune. State Farm roof replacement wind damage can be a lifesaver, but it’s not always a sure thing. If your insurance company turns you down, it can be a real bummer.
But don’t worry, you’re not alone. Quality Allied Roofing & Remodeling has been helping homeowners understand roof replacement for years. We’ve helped countless people navigate the insurance maze.
So, if you need help with your claim or you can’t navigate the process, just give us a call at (832) 526-6657!
Do I Have Hail Damage to My Roof?
A State Farm representative can help you understand the difference between typical wear and tear and damage caused by hail.
Common signs of hail damage that necessitate State Farm roof replacement wind damage include:
- Irregular damage
- Marks from the impact
- On wooden roofs, cracks with sharp edges
For more information about your damaged roof, check how much wind damage to replace roof by insurance.
How Do I File a Roof Claim?
Do you think your State Farm hail damage policy covers that recent hail? Here’s the State Farm roof replacement requirements to start repairing your roof:
Scout the Scene:
- Take a cautious stroll around your property and check for any signs of hail damage.
- Snap some pictures or videos of any damage you find, just for your own records.
File Your Claim:
- Go digital: Head to the State Farm website and file a new claim online. It’s the quickest and easiest way.
- Phone it in: Prefer a chat? Call State Farm directly to get a State Farm roof inspector update.
Gather Your Intel:
- When filing the State Farm roof replacement wind damage claim, have your State Farm policy number handy, along with some basic details about the damage. This includes when the hailstorm happened and a general description of what you saw.
- Do you have those photos or videos? Upload them during the online filing process or share them with the rep on the phone.
Inspection Time:
- Once your claim is filed, a State Farm adjuster will reach out to schedule a visit to assess the damage and create a State Farm roof replacement cost estimate.
If you need help with any step of this process, discover how to get roof replaced by insurance with us.

Which Roofing Contractor Should I Choose?
To get going on your State Farm roof replacement wind damage, you will need a trusted roofing company to fix things up for you and assist with your claim. The final call on your roofer is yours.
Here’s how to choose a good one:
- Solid Reputation: Go for a roofer who’s been around a while and has the proper licenses or bonds (check local requirements).
- References Matter: Ask for references and follow up.
- Insurance Essentials: Make sure they have both liability and worker’s compensation insurance, and verify it’s active before work starts.
For a roofing company that checks all of these boxes, go for Quality Allied Roofing & Remodeling! We won’t just help with the installation, and materials needed for roof replacement, but also with all of the details from A to Z.
What Should the Roof Repair Estimate Include?
A thorough breakdown of the costs of your State Farm roof replacement wind damage will cover:
- How much of everything do you need? This includes everything for the roof, like vents, flashing, and anything broken by wind or hail.
- How much will it cost for the workers?
- What exactly will you do?
- When can you start and finish?
- How is the amount paid?
- Do you have the necessary permits?
- What’s the warranty? Check all the rules and see if anything could cancel it.
- Be wary of quotes significantly lower than others for similar work in your area.
- Check with your local Better Business Bureau for any complaints against the contractor.
If you need more details about your State Farm roof replacement wind damage estimation, reach out to Quality Allied Roofing & Remodeling. Our team will guide you on how much hail damage for insurance to replace roof and the way your process works for a smooth result.
The home & property claim process
Dealing with property damage can be a real pain, but you can get through it. We’re here to help.
- First, take pictures and make notes about the damage. Do whatever you can to stop it from getting worse.
- Then, file a claim. You can do this online or by phone. We’ll let you know we got it and who to talk to if you have questions.
- We’ll assign someone to handle your State Farm roof replacement wind damage claim and guide you through the process. Be ready to answer questions and give them more details.
- They’ll figure out if your claim is covered and how much it’ll cost to fix. If you’re getting money, they’ll work to get it to you as fast as possible, minus your deductible.
- You might need to choose contractors, sign agreements, and submit invoices. We’ll pay you or the service provider based on your claim and policy.
If you have questions, just call us at (832) 526-6657. Whether you need help with insurance, how much does it cost to change a roof, or something else, we have all of the answers.
What is and isn’t typically covered under a home & property claim
You might be wondering does state farm cover wind damage on my roof? Every insurance policy is unique. Here’s a general overview of what home insurance typically covers and doesn’t. Always check your State Farm roof replacement wind damage policy or ask your agent for specifics.
Roof Damage
- Covered: Damage from wind, hail, fire, or lightning.
- Not Covered: Wear and tear, rot, poor construction, or improper repairs.
Water Damage
- Covered: Sudden leaks from pipes, frozen pipes (if you took reasonable care to keep your home warm), sewer backups (with the right endorsement), and ice dams.
- Not Covered: Floods, underground water, surface water, sewer backups (without endorsement), tidal waves, overflowing bodies of water, water spray, and frozen pipes (if you neglect to keep your home warm).
Stolen Property
- Covered: Items like jewelry, electronics, silverware, gold, and rugs.
- Not Covered: Pets, birds, and fish.
A State Farm roof replacement wind damage is easy to manage because it’s covered by the company. However, you have to follow the necessary steps before filing the claim.
When Can You Expect State Farm To Pay Your Hail Damage Roof Insurance Claim?
Does State Farm cover roof damage? Many homes and businesses use asphalt roofs, which can take a long time to show the full effects of hail damage. So, it might be better for homeowners to file a hail damage claim even if the damage seems small. This can prevent bigger and more expensive problems later.
State Farm has its own rules for when hail and wind damage to asphalt roofs might be covered.

State Farm's Rules for Hail Damage Roof Claims
For the success of your State Farm roof replacement wind damage claim it needs to fall within the following:
Granular Loss
The company says that it’s normal for some granules to wear away over time. This isn’t covered because it doesn’t affect the roof’s ability to keep out water.
But the company also says that granules help protect the roof from the sun. So, if there’s a lot of granular loss and the roof is damaged by hail, the company might cover it, as long as the roof’s watertightness is affected.
Wind Damage
The company knows that wind can cause shingles to come loose, break, or be lost.
But it doesn’t have specific rules for adjusters to follow in these cases for a State Farm roof replacement wind damage.
Unsealed Shingles
Adjusters should check for any shingles that aren’t sealed properly. They should ask if the seal was broken by something like a tear on the shingle below or sealant stuck to the underside.
In general, State Farm covers damage to roofs when the roof’s ability to shed water or its expected lifespan is reduced.
What to do if wind blows shingles off roof?
If your roof shingles start to come loose, you need to fix it quickly. Water can get into the roof itself and cause problems, or even leak inside your house. Neither of these is good.
If you can’t find a roofer right away, you can cover the damaged area with a plastic sheet to protect it from rain and wind. But don’t leave it like that for too long. A plastic sheet is not a permanent solution. You can also check out how to replace shingles on roof if you want to handle the job yourself!
What not to say to a roof adjuster?
When you file a State Farm roof replacement wind damage claim, your insurance company will investigate to find reasons to deny or lowball it. To avoid this, hire a lawyer. If you must talk to the adjuster, here’s what to avoid:
- Don’t admit fault. Be honest but don’t take the blame for things you didn’t cause.
- Avoid downplaying damage. Report everything, even if you think it’s minor.
- Don’t give a recorded statement. Insist on a formal recording with a lawyer present.
- Don’t accept the first offer. Negotiate with a lawyer to get a fair settlement on your State Farm roof lawsuit.
Plus, if you can’t find a lawyer, you can always rely on Quality Allied Roofing & Remodeling to receive the best offer. We won’t just help with how do you replace a roof tile, but also with all of your residential roofing replacement Texas matters.
What makes a roof uninsurable?
Many things can make a roof too risky for insurance companies. They look at how old the roof is, how well it’s been cared for, what materials it’s made of, and its history of claims. If a roof is old, damaged, or made with poor materials, it might be harder to get State Farm roof replacement wind damage insurance.
Additionally, insurance companies consider factors like:
- Safety features: Does the roof have things to protect it from storms and other damage?
- Roofing standards: Does the roof meet local building codes and regulations?
- Roof layers: Having too many layers of roofing material can be a problem.
- Contractor’s reputation: The experience and trustworthiness of the roofing contractor can also influence insurance costs. That’s why you should trust Quality Allied Roofing & Remodeling!
If your roof has any of these issues, you might need to make repairs or improvements to get insurance coverage or reduce your premiums.
What is the deductible for windstorms?
If a windstorm hits your house and you need to file a claim, your State Farm roof replacement wind damage insurance might have a special rule. Instead of your usual deductible, you could end up paying a percentage of your home’s coverage. This is called the wind deductible, and it’s typically set at 1, 2, or 5%.
What is a wind claim?
Strong winds can cause a lot of trouble. Roofs can fly away, trees might crash onto your land, fences can topple, and windows might break. To fix these problems and other hidden ones, you would need to file a wind claim.

What does a wind damaged roof look like?
Roof damage from strong winds can show up in many ways so you can file for a State Farm roof replacement wind damage insurance claim. You might notice:
- Loose or missing shingles
- Chimney problems
- Curling or peeling shingles
- Loss of granules
- Damaged soffit or fascia
- Leaks
High winds can also knock down tree branches, which can damage the roof.
How much damage does a roof need to be replaced?
If your roof is in bad shape, like there are many missing tiles or the base of your roof is weak, it might be better to just replace it. Before going for the replacement, check out if it’s eligible for State Farm roof replacement wind damage coverage.
For more signs about when to replace your roof, take a look at when should you replace roof before selling house.
What type of roof is most easily damaged by high winds?
Asphalt shingles are susceptible to being lifted, twisted, and curled by strong winds. When the wind is particularly fierce, these warped shingles can be ripped off the roof. Learn more about the cost to replace asphalt roof in case you decide to invest in it.
Clay tiles, another roofing option, are also ill-suited for windy conditions. These tiles are incredibly delicate and can break easily.
Why did State Farm deny my claim?
If your State Farm roof replacement wind damage claim was turned down, it might be because your policy doesn’t cover the kind of accident or damage you had. Before you file a claim, double-check your policy to see what it does and doesn’t cover.
Some things your policy might not cover include:
- Collisions: If you only have liability coverage, your policy won’t pay for repairs to your own car if you’re at fault in an accident.
- Uninsured/Underinsured Drivers: If the other driver doesn’t have insurance or doesn’t have enough, you might not get paid for your damages unless you have special coverage.
- Exceptions: Your policy might have rules that say it doesn’t cover certain things, like racing, intentional damage, or wear and tear.
If your insurance has lapsed because you didn’t pay or it was canceled, State Farm might reject your State Farm roof replacement wind damage. Make sure you pay your premiums on time, and if you’re having trouble, talk to your agent.
If State Farm thinks you’re lying or trying to trick them, they might deny your claim. This could happen if you give them wrong or misleading information about the accident.
State Farm refusing to pay for roof replacement happens if there’s not enough proof to believe your story and process your claim. If you don’t have enough evidence, like photos, witness statements, or police reports, your claim might be denied.

What is roof loss settlement?
Roof loss settlement replacement cost pays the amount of your roof in its original state, not its depreciated value. However, you get will be less than what the roof will cost, because you have to pay a deductible.
Does insurance cover shingles blown off the ro
If your roof tiles get blown off because of something like a bad storm, your State Farm roof replacement wind damage might pay to fix or replace them.
Will a roof leak if shingles blew off?
It’s possible, but losing a couple of shingles isn’t guaranteed to cause immediate leaks. However, this could lead to problems later on if nearby shingles start to wear down due to rain, wind, and sun exposure.
If you get a roof leaking after replacement, don’t hesitate to reach Quality Allied Roofing & Remodeling.
Can 30 mph winds damage a roof?
Moderate 30 mph winds can lead to more serious problems than light ones (20-30 mph), like lost roof tiles and small cracks in the building.
Is State Farm Denying Hail Damage Claims?
If you have a typical State Farm roof replacement wind damage policy, it should cover damage caused by hail unless you’ve specifically excluded it. But, there are situations where State Farm might not pay for all or any of the hail damage.
What Are Possible Reasons State Farm May Deny a Claim for Hail Damage to a Roof?
State Farm often rejects roof hail damage claims because they believe the damage is due to general wear and tear rather than hail. Some policies exclude cosmetic damage, meaning State Farm won’t pay for damage that only affects the appearance of your property.
To get your State Farm roof replacement wind damage claim approved, you must submit it on time, provide sufficient evidence, and ensure the damage occurred during your policy coverage. If State Farm determines that both hail and wear and tear caused the damage, they may only pay for the portion caused by hail.
What Can Policyholders Do About State Farm Denying Hail Damage Claims?
If you suspect State Farm is unfairly rejecting your hail damage claims, you might be able to sue them for bad faith. It’s tough to prove an insurance company has broken the law, but our experienced team can help you get the compensation you deserve. Reach out to Quality Allied Roofing & Remodeling for a free consultation and know more about condo roof replacement cost.
What is considered wind damage under a homeowners policy?
Storms can cause a lot of damage to homes, especially due to strong winds. This kind of damage is usually covered by State Farm roof replacement wind damage insurance. Roofs, windows, and other parts of your house can be ruined by these powerful winds.
Many different types of storms can cause this kind of wind damage. Some of the most common ones include:
- Tornadoes
- Hurricanes
- Thunderstorms
- Hailstorms
- Microbursts
- Derechos
- Nor’easters
If you need more information about your roofing costs, check out our blog on the cost to replace metal roof.
Is wind damage covered by home insurance?
Homeowners insurance generally covers damage caused by strong winds. This usually includes repairs to roofs, walls, and windows. It can also help replace belongings that are damaged in a storm.
Make sure you know what your policy covers, including the maximum amount it will pay, the deductible, and what it doesn’t cover. In some places, there might be higher deductibles for specific types of windstorms, like hurricanes.

Does homeowners insurance cover wind damage to roofs?
So, does State Farm pay for roof replacement? If your homeowner’s insurance has the right kind of coverage, it’ll likely pay for wind damage to your house’s roof. Plus, if you have State Farm roof replacement wind damage coverage for other buildings, like a shed or garage, it might cover wind damage to their roofs too.
Your State Farm roof replacement policy outlines what’s covered if your roof gets damaged by wind. Factors like your roof’s age or if there were any problems with it before the storm can affect how much your insurance will pay for repairs or replacement. Your insurance company will assess the damage, including any existing damage, and decide how much to reimburse you. If you want more details, ask Quality Allied Roofing & Remodeling. We can help you budget for your steel roof replacement cost and all of the other expenses.
Does homeowners insurance cover wind damage to siding?
Your siding is a crucial shield for your home, similar to your roof. Thankfully, your homeowners’ insurance usually covers wind damage to vinyl, metal, or other siding materials. If strong winds wreak havoc on your siding, insurance will cover the cost of replacing it with new siding that matches the existing look of your home.
If damage is done to your underlayment, consider how much does it cost to replace roof underlayment.
Does homeowners insurance cover wind damage to fences?
If your State Farm roof replacement wind damage insurance covers other structures on your land, it will likely also cover wind damage to a fence.
Most standard policies pay you the actual cash value of the fence after it is damaged or destroyed. You will receive payment for the fence up to its value, minus the deductible and the amount the fence has depreciated since you bought it.

Tips for Protecting Against Wind Damage
Storms can wreak havoc on your home, especially when it comes to strong winds. Don’t let your house be a victim! At Quality Allied Roofing & Remodeling, we know how important it is to protect your home from wind damage. Here are some tips to keep your family safe, and your house in one piece and avoid filing for your State Farm roof replacement wind damage:
- Check your roof and gutters. Replace any loose or damaged shingles, and keep your gutters clean to prevent water buildup. Check out the roof gutter replacement cost for more details.
- Secure your doors and windows. Invest in sturdy storm shutters or impact-resistant windows, and check your doors and windows for gaps and seals.
- Trim trees and secure outdoor stuff. Trim any branches that could hit your house, and bring in or secure outdoor items like patio furniture and grills.
- Inspect your garage. Have a professional check it out and make sure it’s strong enough. You might also want to install a bracing system for extra support.
By following these tips, you can skip going for a State Farm roof replacement wind damage claim. Don’t wait for a storm to hit. Contact Quality Allied Roofing & Remodeling today for a free assessment and let us help you weather any storm.
We can help you inspect your roof for damage, save on the cost of roof tear off and replacement, repair any roofing problems, and handle your insurance claim. So, whatever you need, Quality Allied Roofing & Remodeling has got you covered!
Conclusion
A State Farm roof replacement wind damage claim can save you a lot of money on your replacement. However, you need to handle the process successfully to achieve the compensation you deserve.
Is your insurance company giving you a headache? Quality Allied Roofing & Remodeling have been helping people get the money they deserve for years. We’ll fight for you, no matter what.
Want to talk to us? Or maybe you just want to learn more about how we can help? Either way, we’re here for you.