your insurance may be liable

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 Shingles are considered wind-damaged when they are torn, creased, or detached from the roof. Most commonly, wind damage occurs when three-tab shingles are creased by repeated lifting or flapping. 

 These loose parts of the roof are easy targets because winds can more easily rip up loose shingles, causing a chain reaction. Roofs are commonly damaged by falling objects and debris as well. Eventually, after prolonged wind damage, your roof can start to leak or rot due to water exposure.