Wind damage is one of the most misunderstood roofing issues in Hawaii. Many homeowners don't realize that roof damage from wind often starts long before shingles blow off. And because insurance companies require evidence of “storm-created openings,” filing a claim can be confusing. Here’s what you need to know to protect your home—and your wallet.

Oahu’s trade winds typically reach 15–25 mph, but during storms, gusts can spike to 50 mph or higher. Even at lower speeds, wind creates uplift pressure on roofing materials. Over time, this weakens adhesives and loosens shingles. Kailua, Kaneohe, and North Shore homes experience this most frequently due to their wind exposure.

One important fact: over 60% of wind damage is not visible from the ground. Shingles may appear intact, but the seal strip underneath may be lifted, allowing rainwater to seep in during storms. This leads to leaks weeks or months later.

Insurance policies in Hawaii are strict about documentation. Many claims get denied simply because homeowners waited too long to report the damage or lacked proper inspection records. Having a professional inspection after major wind events strengthens your claim significantly.

Another key issue is pre-existing wear. Insurance companies may argue that damage resulted from aging rather than wind. That’s why choosing roofing materials designed for coastal climates matters. Impact-rated shingles, metal roofing, and hurricane-tested materials help reduce long-term wind damage.

If you suspect wind damage, act quickly. Photograph visible issues, avoid walking on the roof, and schedule an inspection immediately. Professional roofers can document the type of damage insurers look for, such as creased shingles, missing granules, or lifted flashing.

Being prepared helps ensure you’re not left paying for storm damage out of pocket.

CTA:Your local Oahu roofing experts are here to help. Schedule your roofing inspection at: https://fbc-hawaii.com/fbc-roofing Have questions? Call us anytime at (808) 236-0756