Wind Damage Claim

How do I file a wind claim?

We can see from data released by the National Oceanic and Atmospheric Administration (NOAA) that there were a total of 16,064 cases of wind damage in the United States during the year 2019.

Thunderstorms create straight-line winds that cause maximum wind damage. The National Weather Service classifies them as ‘severe’ if the speed exceeds 50 to 60 miles per hour, but it can go as high as 100 miles per hour. These winds are often caused by downdrafts during severe thunderstorms.

A strong downward-moving draft within a thunderstorm is called a downburst. A sudden drop in temperature just before a thunderstorm accompanied by gusty winds are typical traits of damaging winds called a gust front. Strong winds containing fast-moving showers or thunderstorms which may stretch more than 240 miles spreading rampant destruction, is known as a derecho.

Our home with its strong brick walls and sturdy roof is meant to keep us safe and protect us from the vagaries of nature including bad weather. Roofs and unstable structures can be blown away by strong winds causing tremendous damage to your home. Shingles on your roof and walls can get shaken and damaged due to the intense pressure from heavy-duty winds. These winds are capable of affecting miles and miles of area so if you are unfortunate enough to live in a location that experiences thunderstorms regularly, then you are in danger of wind damage.

Few important points to note:

  • Destruction from wind-storm damage is not always apparent. It’s the unseen harm that can pose a challenge many months after the wind-storm has gone by. You may not observe dents and depressions or even blown-off shingles caused by the wind. However, even minor wind damage will impact your roof, the exterior paint, windows, etc. Only an inspection by a licensed storm inspector will disclose the true state of affairs.
  • Study your homeowner’s insurance policy well, so you understand your coverage for hurricanes and windstorm damages. Wind damage caused by a storm is covered in your standard homeowner’s insurance policy. You should get a brittle test done to determine if only repairs are needed to your roof or does it qualify for a complete replacement. If 25% of your roof appears to be damaged due to the storm, then you will be eligible for having the whole roof replaced.
  • If you live in a hurricane-prone region, be hurricane-ready, and create a list of all your property and other assets before a calamity strikes.

Recovering from a storm with the devastation from wind damage can be stressful. It will work out best for you to hire a licensed public adjuster who is the only type of claims adjuster that can lawfully liaise with your insurance company on your behalf. Public adjusters strive to iron-out the antagonism that exists between homeowners and insurance companies through information, advocacy, and mediation so that homeowners like you receive an equitable settlement. 

To process a wind damage insurance claim, trust Experienced Public Adjusters.