Wind and water damage can be a severe problem for homeowners. However, the two have huge differences that help you determine who’s responsible for repairing the damage and how much your insurance company will cover. Read on if you have questions about what you should do post-storm or if an adjuster is worth hiring for assistance during this difficult time!
Insurance companies are often hesitant to cover wind damage.
When you request a claim for wind damage, the insurance company will likely require that your home has fallen victim to extreme weather and lost power. If this is the case, they may not pay out your claim.
On top of that, many insurance companies are hesitant to cover water damage caused by wind because it’s considered “collateral.” Collateral means something can be used as evidence against you in court. Suppose an insurer decided not to pay out on a claim due to collateral damage from another incident. In that case, they could argue that their refusal was justified because of another incident (such as rain).
If a tree hits your house, is it wind or water?
It depends on the cause of the tree falling.
If you claim damage from wind, consider yourself lucky that your claim has been accepted. If a tree falls due to wind damage, you can claim this type of damage. If water were also involved during this incident, it would be classified as type II and III under the policy. This means the company can only provide up to $1 million in coverage. This depends on how much damage was done by one or more causes, such as “Windstorms” or “Rainstorms,” respectively.
Dead limbs are a red flag for insurance companies.
The first thing you should do when a tree falls on your property is to contact your insurance company. Dead limbs are a red flag for insurance companies, as they can cause damage to your home and car. Dead branches and limbs can also fall onto other people’s properties or vehicles. If this happens, you must take action immediately after the incident has occurred so that no one else gets caught up in this mess.
Dead trees are a sign of decay in their health. Another reason an insurer might deny coverage for damages is if there were any signs of disease, such as rot or insects.
In addition, when hail hits your roof at high speed, it causes a lot of damage. This can be due to high winds associated with storms or even just straight-up lousy luck. The hail can cause severe damage to the roof, leading to leaks. The roof could also develop cracks or holes that allow water to seep into your home. And if a tornado hits your area, your home will likely suffer from some wind and hail damage. These are by no means the only risks!
It’s okay to call an adjuster for help even if you don’t file a claim.
You might ask yourself, “How can I get help from an adjuster if I don’t file a claim?” The answer is simple: You can still call an adjuster for help even if you don’t file a claim.
Most insurance companies offer different services designed to protect their customers’ interests during the recovery process. For example:
- A company may provide free legal advice or assistance in filing paperwork related to your policy (e.g., claims forms). This could include writing letters requesting information from contractors working on the affected property(s), contacting each contractor directly and instructing them, or assisting with other related tasks such as coordinating meetings between contractors.
You can have an easier time with your claim by getting help from an adjuster.
If you have a claim, you can hire an adjuster to help with the process. Even if you don’t file a claim, it’s still important to know your options and how much money might be available for damages. Suppose an insurance company investigates wind and water damage claims in Lake Charles, Louisiana (LA). In that case, they will ask for more information from their client’s homeowners association (HOA) representative or homeowners association representative.
The good news is that plenty of companies specialize in helping homeowners recover after natural disasters.
Damage Caused by Wind vs. Water
The first thing to know is that wind damage is more likely from a tree falling on your house than water damage.
Wind damage is usually caused by strong winds that knock over trees or blow them against buildings. If a tree falls on your house and causes extensive structural damage, this can be covered under your insurance policy. Water damage occurs when pipes break or burst and flood basements with water (also happens during tornadoes). If you have homeowner’s insurance but need help with repairs after an event like this, contact an independent contractor specializing in fixing damaged homes.
When to Contact the Insurance
Call your insurance agent if you need help deciding whether to file a claim. They’ll be able to give you the correct guidance for filing a claim and help make sure it’s something that could protect your coverage and avoid any problems with other parts of your policy.
Debris can cause substantial damage.
Call an adjuster immediately when you look out the window and see debris, such as a tree limb or branches, hanging over your roof or off your home’s foundation. A damaged tree can cause substantial damage to your home if it falls on it during high winds.
If you have questions about when to call an adjuster for damage from wind-related events, you can trust water damage contractors in Kansas City.
Your Home Your Responsibility
Your home is your responsibility, and you are responsible for the damage it sustains. You should contact your insurance company immediately after a storm to inform them that you will file a claim.
Your insurance company will work with you to get your home back to normal as quickly as possible. They will arrange for any necessary repairs or replacements, including
- Cleaning up all debris from inside and outside of your house (including wet/damp carpets)
- Replacing damaged furniture, appliances, and other items like mirrors, windows, etc., depending on how severe the damage was
The best way to avoid a wind damage claim is to ensure your house is well-secured and secure. Wind can cause structural damage and make repairing or replacing your roof or windows more difficult. You should also get insurance that covers this type of damage. If things get out of hand, you can always get water cleanup services in Kansas City.
There are many other ways you can protect yourself from wind-related issues too! For example, installing awnings over any openings in your home, like window frames or doors, will protect them from high winds while still allowing sunlight into the rooms without fear of any loss due to windblown debris falling on unsuspecting victims below.