Hurricane and wind damage can be extensive and expensive to repair. Most home and business owners in Florida are aware of the difficulties in securing hurricane coverage since the damage can be a grand scale. Insurance companies have been withdrawing from the state for years in an effort to save themselves from large claims resulting from big named storms and other damages.
Hurricanes immense size and powerful wind gusts cause damage as well as the torrents of rain they bring with them.
Figuring out the cost of replacing and repairing damage can be hard. Damages can result in down time for business and that means a loss of profit. Call on an experienced public adjuster like HDG to help you in navigating your claims process and get the funds you need to make a recovery.
Other types of damage that can happen with a windstorm or hurricane type event are related to water. Water can breach your dwelling or business through the roof or be driven in by the wind. The building envelope can be broken allowing water to get in and cause damage to the drywall, make particle board expand, corrode electrical wires, and allows mold to grow.
Have a clear understanding of your policy since the severity of hurricanes in Florida have made the insurance agencies very strict in the coverage and policies they provide for home owners and businesses.
Damage can range greatly from a severe strom should it damage your property. Wind pressure from a breach in your home could cause the roof to detach. Rising water from storm surge or general flooding can cause damage as well as flying debris that can break windows and other structures. Be sure to know all the details that surround your policy before starting the claims process by having HDG Public Adjusters assist you.
Winds of 74-95 MPH
Damage to buildings is minimal however unanchored mobile homes can be susceptible to damge along with poorly secured road signs. Coastal flooding may occur.
Winds of 96-110 MPH
Damage to buildings is minimal to moderate focusing on roofs, windows, and doors. Mobile homes are susceptible as well as unprotected moorings. Coastal flooding can occur. Some trees may blow down.
Winds of 111-130 MPH
Minimal to moderate structural damage to small buildings. Larger trees may blow down along with mobile homes and poorly secured signs being destroyed. Coastal flooding will occur and flooding may occur.
Winds of 131-155 MPH
Building damage is more severe with possible roof and wall failures. Coastal flooding and inland flooding will occur.
Winds of 135+ MPH
Building damage is more severe with roof and wall failures. Coastal flooding and inland flooding will occur along with erosion of beach areas.