Storm Damage vs. Normal Wear: What Will Insurance Cover on Your Roof or Siding?
Not All Damage Is Created Equal
When you notice cracked shingles or warped siding on your home, it can be hard to tell what caused the problem — and more importantly, whether your insurance will pay to fix it. At Hammerside, we help homeowners across SE Minnesota understand the difference between storm-related damage and everyday wear and tear, so they can confidently navigate repairs, replacements, and insurance claims.
What Is Considered Storm Damage?
Storm damage refers to any harm caused by sudden, severe weather events — such as hail, wind, heavy rain, or falling debris. Insurance companies usually cover these events under a standard homeowners policy.
Common signs of storm damage include:
Hail dents or impact marks on shingles or siding
Missing, lifted, or torn shingles from wind
Water stains or interior leaks after heavy rainfall
Cracked or splintered siding panels
Tree limbs damaging your roof or gutters
Always document damage as soon as possible after a storm. Take photos from ground level and contact a trusted exterior professional to assess the condition safely.
What Is Normal Wear and Tear?
Normal wear happens gradually due to age, sun exposure, freeze/thaw cycles, and everyday environmental stress. While it’s completely expected, it's not typically covered by insurance.
Signs of normal aging or wear include:
Fading or discoloration of siding
Curling or brittle shingles
Moss or algae buildup
Granule loss on older asphalt roofs
Minor cracks or warping from years of UV exposure
Most asphalt roofs last 20–30 years. If yours is near the end of its lifespan, insurers may deny storm claims on the basis of pre-existing wear.
Why It Matters for Insurance Claims
Insurance adjusters are trained to distinguish between sudden damage and long-term wear. If they determine the issue is due to age or poor maintenance, your claim could be denied. That’s why it’s important to get an independent inspection from a licensed contractor who can provide documentation and advocate on your behalf.
Key Tips When Filing a Claim:
File your claim promptly after a storm
Keep maintenance records and photos of your roof/siding before the storm
Get a second opinion if your claim is denied
Avoid temporary fixes before inspection unless damage is actively leaking
How Hammerside Can Help
We’ve guided countless homeowners through the storm damage claim process, from inspection to repair. If you're unsure whether your roof or siding damage is from a storm or just aging out, we’ll give you an honest, thorough assessment — with photos and a report you can use when speaking with your insurance company.
Our Storm Services Include:
Emergency tarping and leak prevention
Full exterior inspections
Claim documentation support
Roof, siding, and gutter replacements
Call to Action:
Think You Might Have Storm Damage? Let’s Take a Look.
Don’t wait for a small issue to turn into a major problem. Contact Hammerside for a no-pressure inspection and professional advice you can trust. Schedule your inspection today — we’re here to protect your home from the roof down.
