Wind Damage and What to Look for After Significant Wind Events
Wind is a powerful force of nature that can cause extensive damage to properties, leaving homeowners and business owners to deal with the aftermath. After significant wind events, conducting a thorough inspection is essential to identify any potential wind damage. Some hurricanes can pack extreme wind speeds; for example, The Labor Day Hurricane had wind speeds of 185 MPH, Hurricane Andrew had the second strongest winds in Florida in 1992 with 165 mph winds and Hurricane Michael in 2018 comes in third with 160 mph winds. Hurricane Ian is tied for fourth with Hurricane Charley in 2004 with 150 mph winds.
Property insurance lawyers understand the importance of recognizing and documenting wind-related damages for insurance claims. This blog post will discuss common types of wind damage and what property owners should look for after significant wind events.
1. Roof Damage:
Strong winds can lift or displace shingles, tiles, or roofing materials. Inspect your roof for missing or damaged roofing components, as even minor damage can lead to water leaks and further deterioration. We recommend that you do not get on your own roof to do such an inspection as this can cause additional damage to the roof and, more importantly, can be extremely dangerous. Consult with a qualified roofing contractor or expert to inspect the roof.
2. Siding and Exterior:
Examine your property's siding and exterior walls for signs of wind damage. This may include cracks, loose siding, dents, or holes caused by flying debris or wind pressure.
3. Windows and Doors:
Check windows and doors for cracks, broken glass, or shifted frames due to wind pressure. Damaged windows and doors can compromise the structural integrity of your property and allow water intrusion into your property.
4. Gutters and Downspouts:
Inspect gutters and downspouts for detachment or damage. Wind can pull them away from the property, affecting drainage and potentially causing water damage.
5. Trees and Branches:
Strong winds can uproot trees or snap branches, posing a significant structure risk. Assess your property for fallen trees or branches that could have caused damage.
6. Fencing and Outdoor Structures:
Examine fences, decks, pergolas, and other outdoor structures for signs of wind damage, such as leaning or missing components. These structures can be vulnerable to high winds.
7. Interior Water Damage:
Even if your property appears intact from the outside, wind-driven rain can infiltrate through damaged areas. Check ceilings, walls, and floors for signs of water damage, including stains, mold, or dampness.
8. Check Your HVAC System:
Wind events can affect heating, ventilation, and air conditioning (HVAC) systems. Inspect outdoor units for damage and ensure they are securely anchored.
9. Insulation and Attic Spaces:
Inspect your attic for signs of wind damage, such as displaced insulation or leaks. Damaged attic spaces can lead to compromised insulation and energy inefficiency.
10. Document Everything:
Take detailed photos and videos of all visible wind damage. Document the date and time of your inspection to provide clear evidence for insurance claims.
11. Contact Your Insurance Company:
Notify your insurance company of the wind damage promptly. Please provide them with all relevant information, including the extent of the damage, photographs, and any repair estimates.
12. Consult with a Property Insurance Attorney:
If you encounter challenges or disputes with your insurance company during the claims process, consider seeking legal assistance from a property insurance attorney near you. They can help ensure you receive fair compensation for your wind-related losses.
Conclusion:
After significant wind events, property owners must be vigilant in identifying and documenting wind damage. Roof damage, siding and exterior issues, window and door damage, gutters and downspouts, fallen trees and branches, and interior water damage are common areas to inspect. Document all damage, contact your insurance company and seek legal assistance if needed to ensure you receive the compensation you deserve for wind-related losses.
Our property insurance attorneys specialize in property insurance claims and are here to support you in navigating the claims process. If you have questions or need legal guidance regarding wind damage and insurance claims, please get in touch with us by clicking the link below to schedule your free consultation. We're dedicated to helping you protect your property and rights.
