Types of Storm Damage

Hurricanes bring strong winds and heavy rains. After one hits an area, it may look very similar to a war zone. For example, strong winds tear off shingles from houses, down power lines, uproot trees and destroy traffic signs.

The extent of the damage will depend on the strength of the hurricane. The strength is numbered from one to five based on the strength of the storm’s wind speed. Wind speed is the determining factor of hurricane strength. Experts say that winds are the most damaging part of the storm. Hurricane strength is based on the Saffir-Simpson Wind Scale, which outlines the category number, and the type of damage that could be expected at each level.

Damage Based on Hurricane Categories

Category 1: Winds over 74 mph are considered a Category 1 hurricane. These storms are strong enough to damage roofs, shingles, vinyl siding, and gutters. Large branches of trees may also snap and shallowly rooted trees may be blown over. There may also be extensive damage to power lines and poles that will result in power outages.

Category 2: Storms with wind gusts that go above 96 mph are considered a Category 2 hurricane. These bring major roof and siding damage to homes, uproot trees, and severely damage power lines.

Category 3: When winds go above 111 mph, a storm is considered a Category 3 hurricane. These cause more extensive damage to structures. These storms can uproot deeper rooted trees and almost certainly knock out electricity and water.

Category 4: Storms with wind gusts of more than 131 mph are considered a Category 4 hurricane. These bring severe damage to homes with the loss of most of the roof structure and even some exterior walls. Most trees will be snapped or uprooted and power poles downed. This makes it difficult for rescue workers to reach some residential areas.

Category 5: Finally, when wind gusts are above 155 mph this brings the most dangerous storm, the Category 5 hurricane. Only three hurricanes had Category 5 strength winds before making landfall in the U.S. Hurricane Andrew was the most recent in 1992. These storms bring devastation on a massive scale with the power to destroy well built homes, causing things like total roof failure and wall collapse, while also toppling more deeply rooted trees, and turning street signs into dangerous projectiles.

Types of Claims

Most hurricane claims involve windstorm and flood coverage. These claims can become complicated due to the various coverage issues. Most policies have two different components: A homeowners policy and a flood policy. Sometimes homeowners are affected by both.

However, usually the biggest issue is evacuating the property. Then, water and wind damage is left without any electricity for a long period. This is the perfect environment for mold to develop. Many insurance companies have been able to limit mold coverage using your ignorance to their advantage. For example if you have $50,000 worth of mold damage, $20,000 for other damages, and a $10,000 mold cap, the insurance company could offer you just $20,000 for damages and $10,000 for the mold. The removal of mold could be so much more expensive. 

The insurance company manipulates the policy. It is important to ask your insurance company to to explain your policy, reimbursement for additional living expenses, and deadlines. Flood guidelines are strict for submitting claims. 

Get Help with Your Claim Denial

Insurance claim disputes are common. They occur for a number of reasons. Sometimes the insurance provider simply wants to try to resolve a claim in the least expensive way possible. They may not provide accurate evaluations of your damages or losses. Other times, they might make it difficult for you if you fail to provide proof of your losses. You can provide proof of losses by hiring your own adjuster to examine your premises and make a report. Florida hurricane insurance dispute lawyers help you obtain the proof you need to get the most from your claim.

A denied hurricane insurance claim can be frustrating and keep you from being able to make repairs to your home or business. You need guidance from a knowledgeable attorney. You need to get the most from a claim, so you are able to fix your home and move forward after the devastating hurricane.

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