With the strong storms moving across our state today, it’s a good reminder that roof damage and resultant water intrusion and damages can be caused by “wind events” other than hurricanes. Typical homeowner’s insurance policies provide coverage for damage caused by “wind events”. These “wind events” include hurricanes but are more commonly associated with wind from strong thunderstorms or even tornadoes. Many homeowners do not realize that damage caused by wind can be a covered loss and more importantly, can be devastating both from a damage standpoint, but also financially.
The Tampa Bay area, including Hillsborough and Pinellas Counties, were under a tornado watch on April 19, 2019, forcing some companies to close early. According to the National Weather Service, a tornado watch means that tornados are possible in and near the watch area. A tornado watch is the National Weather Service telling citizens to be prepared and be ready for the possibility of a tornado. A tornado watch is different from a tornado warning. A tornado warning means that a tornado has been sighted or indicated by the weather radars. A tornado warning also indicates that there is an imminent danger to life and property. See https://www.weather.gov/safety/tornado-ww. Both notifications from the National Weather Service need to be taken seriously. If you have any questions about suggestions for what to do during a tornado watch or tornado warning, visit the above link for the National Weather Service’s recommendations.
While tornados are serious wind events, they are accompanied by serious thunderstorm activity and winds. High winds can destroy roofs, cause wind-driven rain to enter the home, and cause large branches to fall on houses which can cause significant damage. After a wind event, it is important to visually inspect your roof and accessible attic spaces for signs of damage or water intrusion. Most of the time, when a roof is damaged, the water intrusion is obvious because it causes leaks and staining on the ceiling. This is typically is a homeowner’s initial indicator that something is wrong with the roof.
When an insurance claim is called in for a damaged roof, many insurance companies do not fully or properly adjust the loss. For example, they will provide a recommendation to repair a roof when a repair is not legally permitted due to the roof being too damaged. Other times, insurance adjusters will neglect to adjust the damage caused by the water intrusion. This is when hiring a property damage attorney is imperative.
A property damage attorney will help fully develop the entire scope of your loss. When an insurance company underpays a roof and/or water damage claim, the key issue is the “scope” of loss. In other words, the insurance company has provided coverage, but they have not fully adjusted your loss and therefore not fully paid for your damages as required by the contract of insurance. The goal of every insurance claim is to make sure your homeowner’s insurance company pays the full amount that is due and owing under the policy. Don’t forget that there is always the ability to get a second opinion and hold the insurance company accountable for your insurance claim!
After wind events occur in a given location, some companies are allowed to directly solicit homeowners for their business related to storm damages. Businesses such as mitigation companies may offer to perform a free damage analysis to see if you have any damage from a wind event. While there is nothing wrong with hiring a mitigation company, be very aware of the documentation they ask for you to sign. Some companies ask for an assignment of benefits. Assignment of benefits are legal in Florida, but should be fully understood prior to being signed. If you have any questions regarding an assignment of benefits or any other contract related to storm repair, please feel free to contact me for a free consultation.
If you believe your insurance company has underpaid, denied, or delayed your wind and water damage claim, contact my office immediately.