Wind is a leading cause of property damage in Pacific Northwest storms, tearing off roofing, damaging siding, breaking windows, and bringing down trees. Wind damage claims are common but frequently disputed and underpaid, with insurers sometimes attributing damage to wear or denying its full extent. Pursuing the full value of a wind damage claim protects your recovery. Understanding wind claims, and how a public adjuster helps, gives policyholders an advantage. Here is what to know about wind damage insurance claims.
Understanding wind damage claims helps you recover after a storm. Policyholders across Washington and Oregon trust our advocacy, as our recent claim results show, and here is how to handle a wind damage insurance claim.
Wind Is a Leading Cause
Wind is a leading cause of storm damage in our region, affecting roofs, siding, and more. Ready.gov documents the property damage high winds cause. Our storm damage claim services help policyholders pursue the full value of wind losses.
Roof and Siding Damage
Wind commonly damages roofing and siding, often extensively. We document wind damage to roofing and siding thoroughly, ensuring the full extent of the damage, including what is not obvious from the ground, is accounted for in the claim.
Broken Windows and Openings
Wind and wind-driven debris break windows and create openings for further damage. We document the damage from broken windows and openings, including the interior damage that follows when wind drives water into a property.
Fallen Tree Damage
Wind brings down trees and limbs that damage homes and structures. We help policyholders with tree damage claims, documenting the damage fallen trees cause and pursuing the coverage that applies.
Interior Damage
Wind damage often leads to interior damage through openings and water intrusion. We document the interior damage wind causes, ensuring the loss inside a property from wind-created openings is included in the claim.
Wear vs. Wind
Insurers may attribute wind damage to wear to limit coverage. We counter these arguments, documenting that the damage resulted from wind rather than the wear and age insurers cite to reduce or deny wind claims.
Documenting the Damage
Thorough documentation supports the full value of a wind claim. We document wind losses comprehensively, assembling the evidence that supports the claim and counters the insurer’s efforts to minimize it.
Hidden Wind Damage
Wind damage is not always obvious and can include hidden or hard-to-see damage. We identify hidden wind damage, ensuring damage that is not visible from the ground or to an untrained eye is documented and included in the claim.
Acting Promptly
Prompt action on wind damage limits further loss and supports the claim. We advise policyholders to act promptly, mitigating additional damage and documenting the loss while we pursue the full claim.
Avoiding Underpayment
Wind claims are often underpaid given the disputes involved. We work to prevent underpayment, documenting and pursuing the full value of a wind loss against the insurer’s efforts to attribute damage to wear or limit it.
Recovering From Wind Damage
Pursuing the full value of a wind claim protects your recovery. We help policyholders through wind claims, providing the advocacy that overcomes disputes and secures a fair settlement after the windstorms our region experiences.
Recovering from property damage often takes more than one professional, and we are glad to point policyholders toward other trusted specialists when a need falls outside claims advocacy. For related needs, we recommend professional beauty education.
Overcoming the Wear Argument
The single biggest obstacle in wind claims is the insurer’s tendency to attribute storm damage to wear and age, an argument that, if accepted, can gut a legitimate claim. Overcoming it requires documenting that the damage resulted from a covered wind event, which takes knowledge of both roofing and claims. We bring that expertise to wind claims across the Pacific Northwest, building the case that ties the damage to the storm and countering the wear arguments insurers rely on. That advocacy is exactly what protects a policyholder’s wind claim from being dismissed or reduced, securing the full settlement a storm loss warrants rather than the diminished figure that results when the insurer’s wear-and-tear narrative goes unchallenged.
Trusted Information for Policyholders
Property owners can find reliable information on insurance coverage and claims from the Insurance Information Institute and from professional adjusting standards published by the National Association of Public Insurance Adjusters, both of which help policyholders understand the process.
Your Pacific Northwest Wind Damage Claim Specialists
Hit by wind damage? Contact us for a free consultation and let us pursue the full value of your wind damage claim.