Strong winds can cause severe damage to homes and commercial properties, leaving you with costly repairs. While most insurance policies cover wind damage, navigating the claims process can be frustrating and time-consuming—especially if the insurance company undervalues your loss.
At FairVantage, we help property owners ensure they receive a fair settlement for wind damage claims.
What Does Insurance Cover?
Most homeowners' and commercial property insurance policies cover sudden and accidental wind damage, including:
✅ Roof Damage – Wind uplift can loosen, tear, or remove shingles, causing leaks and structural issues.
✅ Siding & Exterior Damage – High winds can rip off siding, crack brick, and damage stucco.
✅ Windows & Doors – Wind pressure and flying debris can break glass and weaken window frames.
✅ Gutters & Downspouts – Winds can bend, detach, or tear off gutters, leading to drainage problems.
✅ Fences & Outdoor Structures – Detached fences, damaged sheds, and fallen patio covers are often included in coverage.
✅ Interior Damage – If wind causes an opening in the roof or walls, leading to water intrusion, your policy may cover resulting interior repairs.
Common Exclusions & Limitations
🚫 Pre-Existing Damage – If the insurance company claims the damage was present before the storm, they may deny the claim.
🚫 High Wind Deductibles – Many policies have a separate windstorm deductible, which may be higher than the standard policy deductible.
🚫 Poor Maintenance – If the insurer believes neglect contributed to the damage, your claim may be denied.
🚫 Cosmetic Damage Exclusions – Some policies limit coverage for damage they classify as “cosmetic only,” even if it affects material durability.
Steps to Filing a Wind Damage Claim
1️⃣ Inspect Your Property – Check your roof, siding, and windows for missing shingles, cracks, or other signs of wind damage.
2️⃣ Document Everything – Take clear photos and videos of the damage before making any temporary repairs. If possible, include photos from before the storm for comparison.
3️⃣ Prevent Further Damage – Use tarps or temporary fixes to protect exposed areas from further harm.
4️⃣ Contact Your Insurance Company – Report the damage as soon as possible to avoid claim delays.
5️⃣ Get a Professional Inspection – Insurance adjusters may overlook certain types of wind damage. A FairVantage expert can help ensure a thorough inspection and fair assessment.
6️⃣ Review the Settlement Offer – If your insurance company offers less than needed for repairs, you have the right to negotiate.
7️⃣ Dispute If Necessary – If your claim is denied or undervalued, you can request a reinspection, appraisal, or mediation with professional assistance.
How FairVantage Can Help
Insurance companies may try to minimize payouts by overlooking wind-related damages or applying restrictive policy language. At FairVantage, we:
✔️ Provide professional property inspections to ensure all wind damage is documented.
✔️ Review your policy to confirm your coverage and rights.
✔️ Negotiate with insurance adjusters to help you secure a fair settlement.
✔️ Assist in disputes and appraisal processes if your claim is denied or underpaid.
