Storm Wind Damage
Tropical cyclone damage insurance claims can be messy. It’s very easy to get confused over what is and is not covered. Today, we’re highlighting the highly effective methods you can utilize to manage your tornado damage insurance claim– and maximize your claim payment from the insurer.
Will my business owners policy insurance cover my thunderstorm damage?
Some tornado damage is covered by a regular Business Owners Policy (BOP) insurance policy, while other damage is not covered.
Usually, anyone who resides in a hurricane-prone area will be required to purchase additional cyclone insurance to cover cyclone damage. Those who live near the coast of the United States, for example, may not be automatically covered for tornado damage under their typical home insurance policy.
In addition, the kind of damage and how that damage was triggered also impacts whether it’s covered. The majority of home insurance plan cover wind damage, for example, however not all policies cover flood damage. Hurricanes can bring both high winds and flood surges, which is one reason tornado damage insurance claims are complicated.
Whether you are covered for tornado damage or not depends on:
The kind of damage
How the damage was triggered (flooding damage, wind damage, and so on). The kind of property owner protection you acquired normal home insurance or a specific tornado insurance policy).
Where you live.
Based on all of these factors, your tornado damage may or may not be covered. Read your home insurance policy to validate that you have tornado protection.
If you suffered damage from a thunderstorm and need help ascertaining if your property damage is covered or how to continue, a public insurance adjuster can help with a complimentary initial policy review and insurance claim case examination.
We provide our knowledge in the following events:.
Tropical cyclone– on top of preparing and submitting your claim, our adjusters can help you acquire a reasonable payment for damages triggered by a tropical cyclone.
Cyclone– ensure a quick recovery from a tornado with our twister claims adjusting and consulting services.
Tropical thunderstorm– filing property damage or loss due to a tropical thunderstorm can be tough. Let our adjusters assist you every step of the method.
Wind thunderstorm– our team will assist you with preparing and settling residential or industrial wind damage claims. Strong windstorms can cause more than just an untidy garden in your community, in some instances, severe damage can occur to your roof.
Hail storm– after a hail storm damaged your property, we will take the burden of submitting a claim out of your hands so you can focus on restoring.
Lightning Strike Damage – Lightning can be extremely common. Lightning is commonly connected with strong thunderstorms, high winds, and hail. After a big lightning storm, trees that have been struck will typically have broken limbs, and if these limbs are close enough to your home, they will be picked up by the wind and tossed around, creating intense damage to a roofing system, walls, windows, and screen enclosures. Make sure to document the damages prior to getting rid of or disposing any products from a lightning storm. Lightning is also understood to cause serious electrical malfunctions in residential properties and businesses. Home appliances, security systems, and home electronic devices are typically the very first to suffer damages. A lightning strike that touches a roofing system can produce roof damage and an opening to make it possible for water to leak into the attic and home.
Getting your own public insurance adjuster involved in your case early can help you get paid fairly and avoid claim submission mistakes we typically see in disaster situations. Do not hesistate for your claim to be underpaid or denied. A public insurance adjuster is experienced to represent your benefit, document damages, file and negotiate your claim with the insurer. Call us for a FREE case review (502) 383-3051
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