When high winds hit Bucks County, they don’t just leave behind a mess—they leave behind questions. One of the most urgent is: how do I claim wind damage to insurance quickly, fairly, and without getting shortchanged?
If you’ve discovered missing shingles, fallen trees, broken fences, or structural damage after a windstorm, you’re not alone. These types of claims are among the most common for Bucks County homeowners, where severe weather events are becoming more frequent. But knowing what to do first—and how to protect your claim—can make the difference between a denied payout and a full recovery.
In this article, we’ll walk you through everything you need to know about how to claim wind damage to insurance, including:
- What’s considered wind damage under your policy
- Whether your homeowner’s insurance will cover it
- What steps to take after the storm
- What to do if your claim is denied
- How a wind damage public adjuster can help maximize your settlement
Whether you’re filing your first wind damage claim or you’ve been through the process before and ended up frustrated, this guide is here to give you clarity, confidence, and actionable steps.
What Qualifies as Wind Damage?
Before you figure out how to claim wind damage to insurance, it’s important to understand what your policy considers “wind damage.” In Bucks County, seasonal storms can cause sudden gusts that wreak havoc on property. But not every broken object automatically qualifies as a claim.
Most homeowners insurance policies cover direct damage caused by wind, including:
- Roof damage (like missing or lifted shingles, broken tiles, or punctures)
- Fallen trees or branches that hit the home or attached structures
- Siding and exterior damage
- Window breakage caused by flying debris
- Detached structures (such as sheds or fences)
- Interior damage caused by wind-driven rain entering through a wind-created opening
It’s worth noting that cosmetic damage—like dents in siding that don’t affect function—may not be covered. That’s why it’s crucial to document everything and involve a professional early, such as a wind damage public adjuster who knows how to read and interpret your specific policy.
Will My Insurance Cover Wind Damage in Bucks County?
Most standard homeowners insurance policies in Pennsylvania do include wind coverage, especially for homes in Bucks County where wind-related events are not considered high-risk compared to coastal areas. That said, your coverage may vary depending on:
- Your policy’s specific language
- Whether the wind was part of a named storm or straight-line winds
- The presence of deductibles (wind or hurricane deductibles may apply, even in PA)
This is where many homeowners run into issues. They assume that all wind damage is automatically covered, only to be told later that “maintenance issues” or “pre-existing wear and tear” are to blame for a denied claim.
Understanding how to claim wind damage to insurance correctly starts with knowing your rights—and your responsibilities. Your insurance company will expect you to mitigate further damage (by tarping a roof, for example), keep clear records, and submit detailed evidence. Missing any of these steps can reduce or void your payout.
How to Claim Wind Damage to Insurance: Step-by-Step Guide
When wind tears through Bucks County, time matters. Acting fast—and smart—can help you avoid delays, disputes, or denials. If you’re wondering how to claim wind damage to insurance the right way, here’s a step-by-step process that protects your property and strengthens your claim:
1. Document Everything Immediately
Take clear photos and videos of:
- Roof damage, fallen trees, shattered windows
- Interior damage caused by wind-driven rain
- Detached structures like fences or sheds
Make sure timestamps are enabled and images show both wide views and close-ups. This evidence will be essential for your claim.
2. Prevent Further Damage
Insurance companies require “reasonable steps” to stop additional loss. That means:
- Tarping holes in the roof
- Boarding up broken windows
- Cleaning up minor debris safely
If you’re unsure what’s safe to do, a wind damage public adjuster can help guide you without risking your claim.
3. Review Your Policy
Before calling your insurer, review your declarations page and coverage sections. Look for:
- Windstorm or named storm clauses
- Deductible types (some policies have separate windstorm deductibles)
- Exclusions (like wear and tear or cosmetic damage)
This can help you anticipate how your insurer may respond—and where you might need backup.
4. Contact a Licensed Insurance Adjuster for Wind Damage
One of the smartest moves is contacting a public adjuster before your insurance company does. Unlike company adjusters (who work for the insurer), public adjusters represent you.
In places like Doylestown, Bristol, or New Hope, a local adjuster who understands Pennsylvania policies and storm history can:
- Estimate the true scope of damage
- Handle communication with your insurer
- File paperwork and negotiate on your behalf
- Protect you from being underpaid or wrongly denied
If you’re serious about getting what your policy promises, this step can make all the difference.
5. File the Claim Promptly
When you’re ready, call your insurance company or log into their portal. Be prepared to:
- Provide your policy number
- Give the date and details of the storm
- Share your documentation
- Describe the actions you’ve taken to prevent further damage
Keep notes of who you speak to, what’s said, and when. Save all emails and letters in a single folder.
What If Insurance Denies a Wind Damage Claim?
You’ve followed all the right steps, submitted documentation, and waited patiently—only to get a denial letter in the mail. It’s a frustrating, often confusing outcome. If you’re in this situation and wondering how to claim wind damage to insurance after a denial, you’re not out of options.
Common Reasons for Wind Damage Claim Denial
Homeowners in Bucks County are often denied wind damage claims for reasons like:
- “Pre-existing damage” not caused by the storm
- “Wear and tear” or poor maintenance
- Inadequate documentation
- Missed deadlines for filing
- Disputes over the cause of the damage (wind vs. tree rot, for example)
Sometimes, the denial is vague or based on technicalities buried deep in your policy.
Don’t Give Up—Request a Re-Evaluation
You have the right to appeal the decision. Before you accept a low payout or denial, consider:
- Requesting a full written explanation of the denial
- Gathering independent repair estimates
- Contacting a licensed wind damage public adjuster to perform their own inspection
An experienced public adjuster can identify errors in the insurance company’s evaluation, properly scope hidden damage, and negotiate on your behalf. Many homeowners in communities like Perkasie and Southampton don’t realize they can reopen a claim within the statute of limitations (which, in Pennsylvania, is typically up to two years from the date of loss).
Need a Wind Damage Public Adjuster in Bucks County?
Knowing how to claim wind damage to insurance gives you more than just a checklist—it gives you peace of mind during a stressful time. Windstorms can strike unexpectedly, but how you respond can make all the difference in your financial recovery.
If you’re facing a new claim or a frustrating denial, you don’t have to go it alone. A qualified insurance adjuster for wind damage can walk you through your options and fight to get the settlement you’re entitled to under your policy.
At Alliance Adjustment Group, we work exclusively for property owners—not insurance companies. Our licensed public adjusters have helped homeowners across Pennsylvania recover millions in wind damage claims. Whether you’re filing your first claim or need to challenge a denial, we’re here to help.
Contact us today. We’ll review your case and only get paid if you do.
Disclaimer:
The information provided on this website is for general informational purposes only and does not constitute legal advice. While we strive to provide accurate and up-to-date information, insurance policies and regulations can vary. It is important to consult with your specific insurance provider or a qualified professional for advice tailored to your individual circumstances.