Windstorms, Hail and Other Severe Storm Events
Windstorm loss can be described as a wind event of sufficient force to proximately cause damage to an otherwise undamaged building or structure. Policy coverage for windstorm or hail is limited to three basic provisions. These provisions do not include frost, cold weather, ice (other than hail,) snow, or sleet, whether driven by wind or not. The verbiage contained in policies is very tricky when applied to windstorm. For example, for there to be a covered loss and a claim payment to be issued, the building or structure must first sustain wind or hail damage to the roof or walls through with the rain, snow, sand, or dust can enter. As an experienced public adjusting firm dealing with windstorm and hail claims, we understand the necessary steps and processes needed to prove applicable coverage for your claim. We have the resources and experts to properly analyze your structural damage, prepare reports, and evaluate the percentage of damage caused by the windstorm and/or hail event.
Many courts have followed the rule that a direct loss from windstorm occurs when it is shown that the force or strength of the wind caused the damage. Other jurisdictions require that the winds be forceful enough to be considered a named storm event. However, not all windstorm events need to be isolated to only wind. For example, let’s assume the wind was strong enough to cause a projectile to become airborne and shatter a window. The rule is the windstorm must be the proximate cause or the efficient proximate cause of the loss. Call us today to evaluate your claim and/or damage for more information regarding this complicated peril coverage.