Five Things to Know Regarding Wind Damage Claims

Five Things to Know Regarding Wind Damage Claims

Insurance wind damage claims can be problematic. Some policies go into little detail regarding wind damage covered under the policy. Our public claims adjuster in Central Florida wants you to comprehend your policy and things you should understand about wind damage casualty claims.

It is best to use local contractors with wind damage experience

When an intense windstorm strikes, contractors from all over travel to the area, expecting to cash in on some damage claims. Sadly, these storm-chasing damage contractors might not deliver the best level of service and quality, making it critical to work with local contractors who are trustworthy and dependable. Also, you do not always need to present three estimates to an insurer. Instead, speak with your insurance company to confirm your required number because each policy is different.

Windstorm coverage is required in some locations and discluded in others

In most parts of the nation, wind damage is standard in every policy. However, clients are assessed extra costs for windstorm coverage, particularly in windy regions of Texas. In addition, some Texas insurers refuse to protect policyholders from wind damage. On the other hand, Florida law mandates insurance companies to protect against hurricane-related wind damage. Still, various exclusions exist for high-risk locations that must seek coverage elsewhere. So be certain to double-check your policy guidelines to comprehend your protection better.

Dodge anti-concurrent causation clauses

Many standard homeowners' policies have built-in anti-concurrent causation clauses declaring that when two catastrophes co-occur and the policyholder only holds coverage for one, the insurer does not have to cover the damages. So basically, if a wind storm blows your roof off and your house floods, your insurance carrier can deny coverage of the damages because your policy does not include flood insurance.

Your insurer must replace or repair your roof

If your roof experiences wind damage, your insurer is lawfully bound to restore or replace it, whichever is less expensive. While this seems relatively basic, issues can occur in practice. For example, adding new materials may lead to cosmetic inconsistencies if the shingles are aging and discolored, but complete replacement is beyond your policy settlement. In many cases, homeowners replace the roof if it is around the end of its life expectancy and pay the difference in cost.

Most policies cover wind damage

The average homeowners' policy typically covers wind damage caused by a storm because it is one of the immediate threats to your property. There are only two disasters not customarily covered by standard policies: flooding and earthquakes. However, storms sometimes produce gusty and flooding circumstances, so deciding which force has compelled the damage may be difficult. A public claims adjuster in Central Florida can help in a situation like this.

These are just some things you need to understand about wind damage insurance claims. So contact us today for your free consultation with our public claims adjuster in Central Florida. We want to help!

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