Wind damage claims are one of the most controversial claims that an insurance companies can handle. Many insurance companies that don’t like covering damages caused by wind. However, the average homeowner’s insurance policy will cover damages caused by storm and other natural disasters.
Wind can be anything from a gentle breeze to a hurricane. While a strong blow can damage a portion of your home or roof, strong winds can damage the entire structure. Whenever you see slight damage or loose roofing material after a storm, you will be able to claim insurance.
How insurance policies for wind damage work
The primary part of a home to that gets hit in a natural disaster is the roof. Even though insurance companies will cover repairs caused by storms and windy weather, they will not always cover damage caused by floods and earthquakes. Many policies also contain an “anti-concurrent causation” clause. This means that two disasters that occur simultaneously will not be covered if your insurance covers costs and repairs for only one. In other words, if a storm and a flood occur together and damage your roof, your insurance company can simply deny your claim.
Insurance companies cover damages in many ways. They will either repair damages or replace your entire roof, whichever costs less.
Damages expected around the house
Some damage occurs gradually, including:
- Splitting, curling, removal, mold, and decay of shingles and shakes
- Breaking, removal, curling, and reduced granulation of composition shingles
- Cracking, tearing, wrinkling, blistering of roof
- Damaging, and removal of bricks, and cracks in joints or caps of a chimney
- Tearing, puncturing, and buckling of corners
- Sagging, clogging, leaks, rusting, and removal of pieces of gutter
- Decaying, staining, missing shingles, clogging and damaging of vents
- Document beforehand: Every home and business owner should document the state of their property, especially before a disaster. Take pictures and videos of different areas with your phone. They can be used as evidence in your insurance claim.
- Immediate measures: Before severe weather strikes, check your roof and gutters, pipes, fencing, and downspouts, as they can be at risk of getting clogged up by branches.
- Hire a contractor: Hire an experienced contractor to estimate the costs of the repair and replacement of your damaged roof. They can tell you the amount of work required and ensure that your insurance company is working alongside you.
- Record damages: While most damages around the roof will be visible, some will be hidden. This is because wind does not attack uniformly. Although the roof, siding, and other areas may show clear signs of damage, other less-obvious areas may have been stressed. That’s why it’s necessary to have an experienced contractor present when you’re recording the damages.
- Unexpected areas: The attic can be at risk of damages. You may notice gray, brown, or yellow water stains, peels, or cracks on your wallpaper and paint. This may indicate damage in the walls and roof.
- Mitigating damages: After a damaging storm, prevent further damage from occurring, both for the sake of your belongings and for your insurance claim. With help from your contractor, use tarps, sheets, and other sorts of protection to mitigate damages.
- Store all documents: Your insurance company can take measures to reject your claim. To protect yourself from any deceptive measures, record and store all receipts, invoices, and bills submitted to you. Be ready to show them to your insurer if they try to confront you.
- Be firm with your payment: A common insurance trick is to submit a low payment in the hopes that the policyholder will accept it. As the policyholder, you don’t have to accept their first offer. Seek advice from your contractor or roofing company and then decide how you wish to proceed.
- Reimbursements: In case of severe damages, your house or building may become uninhabitable. This happens mostly during roof replacements. During this time, you can ask for an advance or reimbursements to stay at a hotel and for meals. This amount will be deducted from your overall settlement.
Why contact an attorney?
Having an insurance attorney on your side leads to strategic planning, well-rounded solutions, and an efficient case. Louis Law Group is a proactive law firm. They have experienced attorneys based in Florida with the in-depth knowledge you need to take successful legal action. Call them at (954) 20676-4179.