\n<\/p>\n
High winds can be incredibly destructive. When they reach tropical storm or hurricane levels, wind has the potential to cause extensive damage to homes and businesses. Many people have wind damage insurance to help them cover these types of losses. It is crucial that you understand how your wind damage insurance applies.<\/p>\n
At Insurance Claim HQ, we want to make sure that homeowners and business owners know how to take on wind damage cases. Within this article, our New Orleans wind damage attorney<\/a> explains the key things to know about what is included (and what is not) in wind damage insurance coverage.<\/p>\n A wind damage insurance claim is a request filed by a policyholder to their insurance company for coverage of damage caused by wind. It is a type of claim that is typically filed to seek compensation to cover the cost of repairs needed due to events such as thunderstorms, winter storms, tropical storms, hurricanes, tornadoes, and other high-wind situations that result in structural damage to a home or business. The insurance company will usually assess the claim by reviewing the extent of the damage and determining coverage based on the policy terms.<\/p>\n How fast does the wind need to be blowing to cause major property damage? The answer is \u201cit depends.\u201d There are a number of different factors that determine the risk of damage with high winds. With that being said, the National Weather Service (NWS)<\/a> does classify wind damage threats based primarily on speed. Here is an overview:<\/p>\n Of course, it is important to emphasize that wind damage is variable. There are situations in which seemingly modest wind\u2014perhaps even a storm that would be classified as \u201cnon-threatening\u201d by the National Weather Service\u2014can produce wind that would cause significant damage to a specific policyholder\u2019s home or business.<\/p>\n Wind can cause extreme damage to your home and\/or your business. As a property owner in New Orleans or elsewhere in the Gulf Coast region, extreme winds are one of the primary natural disaster risks that you need to be prepared for. It is crucial that you understand your wind damage coverage. You should carefully review the specific terms of your policy. With that being said, here is a broad overview of wind damage that typically is (and is not) covered by wind damage insurance:<\/p>\n Roof Damage<\/em><\/strong><\/p>\n Insurance typically covers repairs or replacement of roofs damaged by wind, including shingles, tiles, and underlying structures. Notably, roofs are often the first to be compromised during wind events. A roof replacement can be very expensive if it is damaged heavily due to wind.<\/p>\n Window Repairs<\/em><\/strong><\/p>\n If the wind breaks or damages windows, insurance usually covers the cost of replacement or repair. Coverage generally includes the glass itself and any necessary work on frames or supports. It is imperative that a home\u2019s windows are repaired in a timely manner.<\/p>\n Structural Repairs<\/em><\/strong><\/p>\n Finally, wind insurance coverage often extends to other structural damages caused by wind. For example, damaged walls or even a shifted foundation may be covered. For many property owners, this includes the main building (home) and attached structures, like a garage.<\/p>\n Typically Not Included<\/em><\/strong><\/p>\n Landscaping and Outdoor Furniture<\/em><\/strong><\/p>\n Wind can cause a lot of damage to your exterior property. In most cases, it is not covered. Damage to gardens, trees, landscaping, and outdoor furniture is typically not covered by wind damage insurance. These items are considered external and more vulnerable. They are often excluded.<\/p>\n Flood Damage\u00a0<\/em><\/strong><\/p>\n Although wind might be associated with storms that cause flooding, standard wind damage policies do not cover water damage. Homeowners need separate flood insurance\u2014especially in flood-prone areas\u2014to manage this risk. For standard policies, wind damage is covered, and flood damage is not.<\/p>\n Routine Wear and Tear<\/em><\/strong><\/p>\n Finally, homeowners insurance does not cover damages that result from the normal wear and tear of a home. To be clear, this generally includes issues exacerbated by wind but primarily due to aging materials or poor maintenance. Of course, disputes can arise over this issue.<\/p>\n Wind damage claims are notoriously complex. It is normal for homeowners and business owners to have a lot of questions about what is\u2014and what is not\u2014included as part of their wind damage coverage. You do not have to take on the complexities of the claims process alone. At Insurance Claim HQ, we know that a natural disaster should not leave you in pieces. Our record of case results<\/a> tells the story best. Our attorneys are prepared to invest the time, resources, and attention to the small details to help you get the best possible outcome in your wind damage claim.<\/p>\n At Insurance Claim HQ<\/a>, our New Orleans wind damage insurance lawyers have the skills, knowledge, and experience that you can rely on to take on the insurance company. If you have any questions about what is and what is not included as part of a wind damage claim, we can help. Give us a phone call now or contact us online<\/a> to arrange your free, no-strings-attached case review. We handle wind damage claims in New Orleans and throughout all of the Gulf Coast region.<\/p>\n<\/div>\nWhat is a Wind Damage Insurance Claim?<\/h2>\n
How Much Wind is Required to Cause Damage (Threat Varies)<\/h2>\n
\n
\n
\n
\n
\n
Home Insurance Wind Damage (What is and is Not Included)<\/h2>\n
Typically Included<\/h2>\n
Why Trust Insurance Claim HQ for a Wind Damage Insurance Claim<\/h2>\n
Schedule a Free Case Review With a Top-Tier New Orleans Wind Damage Lawyer Today<\/h2>\n