Wind Damage Claims
In South Florida most of us know someone that has experienced wind damage at their home or business or we ourselves have been affected by wind damage. Although the majority of reported damage comes after a major storm, strong winds can knock over trees, send projectiles flying through the air, and cause other types of damage. If you have been the victim of damage caused by strong winds and are interested in learning more about wind damage claims it is important that you contact a public adjuster as soon as possible to ensure the maximum coverage as simply as possible.
Wind Damage Claims in Miami
Most property insurance contracts cover the peril of windstorm to include tornado, hurricane, tropical storm and even wind storm damage associated with thunderstorms.
Most wind damage claims are an effort to cover direct physical damage from windstorms. If the direct physical damage is obvious, such as roofs or walls blown away, then the coverage determination can be simpler. The major concern of property owners are, “What is real total cost of to truly make me whole again?”
Business owners are usually also affected by the time lost while attempting to document the total business losses as well as continue their operations. Homeowners usually wonder where they will live while their home is being worked on. Not only are the structural losses a concern, but business inventory losses, and personal property damage frequently become a major portion of wind damage claims. Sometimes however, the damage from a covered peril is not so obvious.
Public adjusters look to the specific policy language of the loss in question. Typically, if the windstorm event causes a breach (break) in the building envelope (that is, the roof or walls) and water comes into the building due to that breach, then you are covered and wind damage claims are usually simpler. This would include water damage to the building itself, such as drywall damage, particle board expansion, electrical damage, mold, etc. Water damage to contents would also typically be included as part of the loss. Wind driven rain can also be very problematic in a hurricane as many insurance companies will not pay unless there is a breach or opening in a structure.
Wind Damage Claims include:
- Hurricanes/Tropical Storms
- Damage from Projectiles
Information Needed When Filing A Claim
To start the claims process, we will need the following information:
Policyholder information: Name of insured, address, phone number, e-mail and policy number Description of loss: Time and date of loss, location of incident, detailed description of damages Authority notification: Please note all authorities notified (fire dept., police, etc.) Emergency Service Companies & Damage Mitigation: Please let us know if you have already contacted any emergency service companies or performed any sort of damage mitigation.
If you are not sure if you need a public adjuster, give us a call at Phone: 786-254-7009 or fill out our contact form below.