Will insurance cover shingles blown off the roof?

Yes, in most cases homeowner's insurance will cover shingles blown off the roof if the cause is a covered peril such as wind, hail, or a storm, which are standard covered events in HO-3 policies. Wind damage is one of the most common roofing claims. If a windstorm with documented high winds causes shingles to lift, crease, or blow off, your policy typically covers the cost to repair the damaged area or, if damage is extensive and matching shingles are not available, to replace the entire slope or roof depending on your policy language and state matching laws. However, coverage is not guaranteed. Insurance will likely deny the claim if the roof was already in poor condition due to age, neglect, or prior wear, or if shingles blew off due to improper installation or because they were already failing to seal. Most policies have a wind or hurricane deductible that may be higher than your standard deductible. To improve chances of approval, document the damage with photos immediately after the storm, keep weather reports showing wind speeds, get a roofer's written inspection noting wind creases, and file promptly. Temporary tarping costs are usually reimbursable under mitigation coverage. If only a few shingles are missing, repair cost may be below your deductible, so you would pay out of pocket.