Wind Claims

Typically a property insurance policy covers direct physical damage from windstorms. If direct physical damage is obvious, such as entire roofs/walls or portions of roofs/walls blown away, then a coverage determination becomes easy.

Sometimes however, the damage from a covered peril is not so obvious. Not only is the building loss a concern, but business inventory losses and personal property damage frequently become a major portion of the windstorm damage insurance claim. 

What about water damage resulting from a windstorm event? 

Damage from hurricane events, especially in coastline areas have high exposure to both windstorm and flood damage. Typically, if the windstorm event causes a breach (break) in the building’s roof or walls, and water comes into the building due to that breach, then you have coverage. This includes 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 problematic in a hurricane as many insurance companies will not pay unless there is a breach or opening in a structure. 

What do I do when I have wind or storm damage in my home or business?

Document all losses: If you have a loss from wind and flood you need to be prepared to prove which caused what part of your damage due to the storm. 

Contact Interclaim®: If you are not sure about the process or have a large claim, contact us to file insurance claims on your behalf. We’re the experts, and we will get your claim taken care of quickly, accurately, and with clear communication.