Extreme winds brought on by hurricanes, tornadoes, thunderstorms, and winter storms can cause serious damage to your home and property. During these instances of high winds, wind speeds can fluctuate greatly, and the direction of the wind may change as well. These inconsistent factors put a large amount of pressure on all parts of a building. The uplift effect of strong winds can take a roof off, if the roof sheathing is not installed properly, and the wind forces are not properly transferred to the ground.
The debris carried in the winds can come into contact with your home causing damage and/or injury. Shuttering your windows and having high quality exterior doors will help keep the debris from entering your home. Regular yard upkeep, such as trimming the trees around your house, can help to keep your landscape from becoming a threat to your home. In the event of a high wind speed warning, put away any yard furniture, such barbecue grills and pool equipment, as well as toys, tools, or anything else that could become a projectile.
Wind Damage and Insurance
Keeping your home well sealed and properly maintained will help to prevent wind from getting into your home and causing damage. If your home gets damaged by high winds, despite your best efforts to secure it, you should file an insurance claim. Homeowners insurance generally provides coverage for wind damage to your home and property. If you are unsure of your protection in case of wind damage, contact your insurance company to find out what is covered under your homeowner's policy.
If your home has just weathered a severe windstorm, you should do a thorough inspection to see what the wind has damaged. The damages are not always easy to see at first glance, so take your time in looking over your home. Once you have identified and recorded the damages, you should file an official claim with your insurance company. In general, wind damage, damage from falling trees, and tree removal are covered under homeowner’s insurance. Property inside your home or business that was damaged as a result of the wind can also be claimed on your insurance claim.
