Could you please email the guidelines to firstname.lastname@example.org. Thanks.
I am getting initial turn-downs from almost every insurer for wind damage. I believe I will win every one eventually.
I have shingle manufacturers' specific documentation that says shingle that lost their adhesive strip from excessive wind are damaged. Here, the insurance policies state that wind damage is covered - period.
I have the building code that says shingles must be sealed. That is IRC 2006 905.2.4.
I've found several other odds and ends that prove wind damage is blown up shingles, not even blown off shingles. However, it is about the magnitude of damage. Check whether debris is blown up under the shingles still on the roof. If you have enough damage, the roof should be totaled. Don't give up and let them cheat the homeowner.
Ironically, Farmer's is the best insurer here lately. State Farm has lost it here. Isn't that the way it always goes?