A median of $232,600 in farm country where the wind arrives carrying field dust. Abrasion is not an event, and that is precisely the problem with insuring it.
Wear from blowing sand is deterioration, which every policy excludes. The sudden damage behind it may not be.
Three things about damage that accumulates.
Blowing sand scours paint, pits glass, degrades roof surfaces and wears seals over years. No homeowners policy covers deterioration however it was caused, so none of that is a claim. It is a maintenance budget rather than an insurance question, and knowing that saves a wasted claim.
A single severe event that lifts roofing, breaks glass or drives debris into a structure is sudden damage rather than wear. The distinction a carrier draws is between gradual degradation and an identifiable event, and prompt reporting after a storm is what keeps a claim on the right side of it.
Roofing degraded by years of abrasion lifts in winds that would not have moved it when new. That is where the two halves meet: the wear is yours, and the failure it enables may be a claim. Replacing surfaces on schedule is what keeps the policy relevant.
Separating wear from damage.
Abrasion shortens its life and carriers rate the result.
On a worn surface this is the term that decides the check.
It is what distinguishes an event from accumulated wear.
Tell us the age of the roof and when exterior surfaces were last done.
We tell you plainly which damage is a claim and which is maintenance.
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