Wind damage claims are some of the most common and widely reported property insurance claims. Roofs, gutters, siding and windows are some of the areas most susceptible to wind damage.
Whether it’s a hurricane, tropical storm, nor’easter or just an unpredictable seasonal squall, wind damage can cause tremendous damage to your home or commercial property.
Fortunately, wind damage is covered by most insurance policies. However, since wind claims are some of the most common, they are also some of the most likely to be disputed by your insurer.
Discrepancies over the cost of the roof or wind damages are common between both sides. The policyholder expects all wind related damages to be paid in-full. It is in the insurance company’s best interest to pay out as little as possible on the claim.
Here are things to consider when dealing with a wind damage claim:
Beware of “CAT” Adjusters
When a catastrophic event occurs, such as a hurricane, insurance companies call on adjusters called “Cat Adjusters” from out of state to help with the high claim volume. Although these adjusters help with the immediate need of the insurance company from a claims handling standpoint, they are usually detrimental to the policy holders claim.
Document Your Property (Before AND After)
We’ve said this many times before, but it’s critical. Make sure to keep up-to-date photos of your property throughout the year. That way, you can demonstrate that the damage was caused by the storm, and was not pre-existing.
Call a Public Adjuster Right Away
Your insurance company will send out their adjuster to estimate the damage and determine how much you receive in reimbursement. However, the insurance adjuster works for the insurance company, and therefore has the insurance company’s best interests in mind. A public adjuster works for YOU and works to make sure that you’re treated fairly.
Have questions about your wind damage claim? Feel free to contact Stark Loss Consultants for more information about how a Public Adjuster can help.