Some of the more difficult claims to move forward include wind claims even where the wind has removed shingles. The best situation is to always claim wind and hail. Typically the carrier will hire a engineer to evaluate if the damage is enough to pay for full replacement. Which is why you will need to either hire your own engineer or public adjuster to move the claim forward. The guideline always includes if there was a storm created opening, but what if there isn't? What if a leak occured inside after the storm that wasn't there before? If a leak was caused by the storm then its apart of the claim whether there is a "storm created opening" or not. Know your rights and know that you need to be made whole.