Wind Damage Claims

When Might You File Wind Damage Claims?

Often, after extreme wind conditions, homeowners notice damage to their property but are unaware of their ability to file wind damage claims to help pay for repairs. Damaging winds are often called “straight-line” winds to differentiate the damage they cause from tornado damage. Strong thunderstorm winds can come from a number of different processes. Most thunderstorm winds that cause damage at the ground are a result of outflow generated by a thunderstorm downdraft.

Damage from severe thunderstorm winds account for half of all severe reports in the lower 48 states and is more common than damage from tornadoes. Wind speeds can reach up to 100 mph and can produce a damage path extending for hundreds of miles. Since most thunderstorms produce some straight-line winds as a result of outflow generated by the thunderstorm downdraft, anyone living in thunderstorm-prone areas of the world is at risk for experiencing this hazard.

People living in mobile homes are especially at risk for injury and death. Even anchored mobile homes can be seriously damaged when winds gust over 80 mph.

Types of Wind That May Lead to Wind Damage

Straight-line wind is a term used to define any thunderstorm wind that is not associated with rotation, and is used mainly to differentiate from tornadic winds.

A downdraft is a small-scale column of air that rapidly sinks toward the ground.

A macroburst is an outward burst of strong winds at or near the surface with horizontal dimensions larger than 4 km (2.5 mi) and occurs when a strong downdraft reaches the surface. To visualize this process, imagine the way water comes out of a faucet and hits the bottom of a sink. The column of water is the downdraft and the outward spray at the bottom of the sink is the macroburst. Macroburst winds may begin over a smaller area and then spread out over a wider area, sometimes producing damage similar to a tornado. Although usually associated with thunderstorms, macrobursts can occur with showers too weak to produce thunder.

That storm you experienced was so bad that your patio furniture was tossed around your screen enclosure. You lost screen panels and a French door in the havoc. Is your insurance company arguing with you over repair or replacement cost? The last thing you want to deal with is a frustrating insurance claims process. We can help you file successful wind damage claims.