How to Classify Flood and Wind Damage After Storms
Severe storms can wreak havoc on homes and businesses, leaving property owners struggling to make sense of the damage and navigate the insurance claims process. One of the most common challenges property owners face is distinguishing between flood damage and wind damage after a storm. The distinction is crucial because it directly impacts how claims are filed and paid, as flood and wind damage are typically covered under different types of insurance policies. In this blog, we’ll break down the key differences between flood and wind damage, how insurance companies classify each type of damage, and what steps property owners can take to ensure their claims are properly filed and paid.
What Is Wind Damage?
Wind damage occurs when strong winds, such as those from hurricanes, tropical storms, or tornadoes, cause physical harm to your property. Wind damage typically results from high-speed gusts that can tear off roofing shingles, break windows, or even knock down walls. In some cases, flying debris carried by the wind can cause additional destruction to homes and businesses.
Common signs of wind damage include:
- Missing or broken roof shingles
- Damaged or collapsed fences
- Broken windows or doors
- Downed trees or power lines
- Water intrusion through damaged roofs or windows
What Is Flood Damage?
Flood damage occurs when water from an external source, such as heavy rainfall, storm surges, or overflowing rivers, enters your property. Unlike wind-driven rain, which can seep into a home through damaged roofs or windows, flood damage refers specifically to water that rises from the ground up and enters your property.
Common signs of flood damage include:
- Water pooling in the basement or lower levels of the property
- Mud or silt deposits inside the home
- Waterlines or discoloration on walls
- Saturated flooring or carpets
- Damage to electrical systems and appliances
It’s important to note that flood damage is not typically covered under standard homeowners’ insurance policies. Instead, property owners must have a separate flood insurance policy to cover damage caused by flooding.
How Insurance Companies Classify Damage
When a property owner files a claim after a storm, insurance companies will send an adjuster to assess the damage and determine the cause. The adjuster’s report will categorize the damage as either wind-related or flood-related, which directly impacts the type of coverage available. Unfortunately, disputes between property owners and insurance companies are common when it comes to storm damage claims. Insurance companies may argue that damage is due to flooding to avoid paying out claims under the homeowners’ policy, especially if the property owner does not have flood insurance.
How to Protect Yourself When Filing a Claim
1.Document the Damage Take photos and videos of all the damage to your property, including both interior and exterior areas. Be sure to capture any broken windows, missing shingles, standing water, or waterlines on walls.
2. Secure Your Property After documenting the damage, take steps to prevent further harm. For example, cover broken windows or damaged roofs with tarps to protect against additional rain.
3. Review Your Insurance Policies Understand the specifics of your homeowners’ and flood insurance policies. Knowing what is covered under each policy will help you file your claim accurately.
4. File Separate Claims if Necessary If your property has sustained both wind and flood damage, you may need to file separate claims with your homeowners’ and flood insurance providers. Be clear and detailed in your descriptions to avoid confusion.
5. Consult an Attorney If you’re facing a dispute with your insurance company or if your claim is denied, it’s crucial to consult with an experienced property insurance attorney. The Litigation & Recovery Law Center specializes in first-party insurance claims and can help ensure you receive the compensation you deserve.
Why This Distinction Matter
The distinction between wind and flood damage can significantly impact the outcome of your insurance claim. Without the correct classification, you may be left covering repair costs out of pocket, especially if your homeowners’ policy does not include flood coverage. For Florida property owners, where storms and hurricanes are common, understanding your insurance policies and the causes of damage is critical to protecting your home and business. Taking proactive steps to document damage, secure your property, and consult legal professionals can make all the difference in your recovery process.
Need Help with a Property Damage Claim?
At The Litigation & Recovery Law Center, we understand how stressful dealing with storm damage and insurance claims can be. Our team of experienced attorneys is here to help you navigate the complexities of property damage claims, whether it involves wind, flood, or both. Contact us today for a free claim evaluation and let us help you get the compensation you’re entitled to. We work on a contingency fee basis, meaning you pay nothing unless we recover a settlement for you. By distinguishing between flood and wind damage and taking the appropriate steps to document and file your claim, you can protect your rights and ensure a smoother recovery process after a storm.
Disclaimer: This information is for general guidance only and does not constitute legal advice. You should always consult with an experienced insurance attorney for advice regarding your specific situation.