Whether insurance will pay for a new roof depends on the level of damage and your specific policy. Most standard Louisiana homeowners policies cover wind damage, but the outcome of a claim depends on several factors:

• Type of Damage: Insurance typically covers functional damage that compromises the roof’s integrity, such as blown-off or missing shingles, lifted edges, creasing, and cracking. If the damage is purely cosmetic and does not impair the roof’s performance, it may be excluded.
• Professional Documentation: Because adjusters may overlook or undervalue minor-looking damage, it is critical to have a professional inspection. A detailed report with timestamped photographs of missing shingles and displaced materials helps justify the need for a full replacement versus a simple repair.
• Deductibles: In Louisiana, most policies include a separate wind/hail deductible, often ranging from 1% to 5% of your dwelling coverage. You will need to account for this out-of-pocket cost when filing your claim.
• Adjuster’s Assessment: The insurance adjuster prepares a monetary estimate based on the damage report. Having a contractor present during the adjuster’s visit can ensure that all wind-related issues are accounted for in the scope of loss.

While insurance often covers wind-related losses, approval is never guaranteed and depends on your insurer’s specific guidelines and the evidence provided.

• How to File a Wind Damage Roof Insurance Claim: Step-by-Step Guide