What Wind Does to Shingles — Wind & Claim Calculators
Move the slider and watch what 40 to 180 mph winds do to a roof rated for 60, 90, 110, 130 or 150 mph. Then see how your insurance offer compares with what your claim may really be worth.
Calculator 1: Shingle Wind Damage Calculator
Wind speed vs. shingle wind rating, roof age, exposure and nailing
Educational model based on ASTM test classes and typical sealant aging. It does not replace a roof inspection.
Wind speed vs. shingle ratings: what happens to your roof
| Wind (gust) | 60 mph 3-tab | 90 mph (Class D) | 110 mph (Class F) | 130 mph enhanced | 150 mph (Class H) |
|---|---|---|---|---|---|
| 50–60 mph | Unsealed tabs | Minimal | Minimal | Minimal | Minimal |
| 70–80 mph | Missing shingles | Creasing at edges | Seal stress | Minimal | Minimal |
| 90–100 mph | Widespread loss | Missing at ridges/rakes | Creasing, lifted tabs | Seal stress | Minimal |
| 110–120 mph | Decking exposed | Widespread loss | Missing shingles | Edge creasing | Seal stress |
| 130–150 mph | Roof failure | Decking exposed | Widespread loss | Missing shingles | Creasing, some loss |
Typical outcomes for a properly installed roof in open coastal exposure. Aged sealant, poor nailing and beachfront exposure all lower the speed at which damage starts.
What the test classes mean
ASTM D3161
Fan-induced wind test, 2 hours at speed.
Class A 60 mph · Class D 90 mph · Class F 110 mph
ASTM D7158
Uplift-resistance test based on ASCE 7 basic wind speed.
Class D 90 mph · Class G 120 mph · Class H 150 mph
Galveston requirement
Where the code's allowable-stress wind speed exceeds 100 mph — all of the Galveston area — shingles must be D7158 Class H or D3161 Class F. See local code.
How much wind are 10 top shingle manufacturers rated for?
Standard and enhanced wind warranties for each maker's flagship residential product.
| Manufacturer | Product | Standard wind warranty | Enhanced / max | What the enhanced rating requires | Test class |
|---|---|---|---|---|---|
| GAF | Timberline HDZ | 130 mph | No max-speed cap (WindProven) | LayerLock shingles + 4 GAF accessories (starter, underlayment, ridge cap, leak barrier or ventilation) | D3161 F · D7158 H source |
| Owens Corning | Duration / TruDefinition Duration | 130 mph | 160 mph | Total Protection Roofing System components + OC starter at eaves and rakes | D3161 F · D7158 H source |
| CertainTeed | Landmark / Landmark PRO | 110 mph | 130 mph | CertainTeed starter + CertainTeed hip & ridge | D3161 F · D7158 H source |
| IKO | Cambridge | 110 mph | 130 mph | 6 nails per shingle (high-wind application) | D3161 F · D7158 H source |
| IKO | Dynasty | 130 mph | — | ArmourZone nailing strip, standard nailing | D3161 F · D7158 H source |
| Atlas | Pinnacle Pristine | 130 mph | — | Standard 4-nail application (6 nails on steep slope) | Verify on spec sheet source |
| Malarkey | Vista / Highlander | 110 mph | 130 mph | 6 nails + Malarkey starter and hip/ridge | D7158 H source |
| TAMKO | Heritage | 110 mph | 130 mph | 6-nail high-wind application + TAMKO starter with sealant at eaves and rakes | D3161 F · D7158 H source |
| DECRA | Stone-coated steel | 120 mph | — | Lifetime limited warranty; Miami-Dade NOA / Florida HVHZ approvals | Metal (Miami-Dade NOA) source |
| DaVinci Roofscapes | Composite slate & shake | 110 mph | Tested to 180 mph (select profiles, TAS-125) | Warranty mph varies by profile — verify | D3161 F source |
| F-Wave | REVIA synthetic | 130 mph | 150 mph (XTM line) | WeatherForce Advantage warranty | D3161 F · D7158 H source |
Wind warranties generally cover shingle blow-off for a limited period (often 15 years) and only when installed to the manufacturer's instructions. Terms change often — confirm against the manufacturer's current warranty document for your installation date. Compiled September 2026.
Calculator 2: Claim Payout & Deductible Calculator
Your insurer's offer vs. what you could net with a public adjuster
Texas caps public adjuster fees at 10% (Ins. Code §4102.104). This calculator applies the fee to the entire payment — a conservative assumption.
Illustration only. Results depend on your policy, the documented damage and the outcome of negotiation; no recovery amount is guaranteed.