Vinyl siding blown off by wind

Did the fasteners pull out of the sheeting or did the siding crack and break off at the fasteners?

Obviously you don't have much experience at all with insurance, because the typical homeowner's policy doesn't consider storm damage an act of God and refuse to pay. If that was the case, people would not be collecting after a tree crashes down on their home after a storm or when their home burns down after being struck by lightning. Those are "acts of God". As for the insurance company knowing who to blame, some insurance companies will try to deny or limit claims, with various excuses.

Installation does make a big difference. I remember a severe storm that did some damage to the condo complex where I was living at the time. We had some shingles blown off, a few here and there. The complex across the street that was less than 10 years old, was devastated with most of the roofs having huge sections of shingles gone. The difference? Those were stapled on instead of nailed.

I'd say Ken's post is on the right track, eg how exactly was the siding installed and at what does analysis of where exactly it failed show?

replying to willshak, Laura wrote: What kind of nails are used, this is my 3rd time this year with gusts taking siding off? I just paid to have it replaced, I used screws and guy took them out and nailed which is not holding