What Does Wind Damage Consist Of?Wind damage is essentially the event of high-speed winds coming in direct contact with a home and causing the need for repairs or replacement. The results after a wind storm are unpredictable, and there is only so much a homeowner can do to resist the impact. The wind that destroys property is usually caused by natural disasters and storms, including tornadoes and hurricanes. Both of these storms come with extremely high winds moving at hundreds of miles per hour, depending on the severity. These types of damages can also be caused by strong winds that come with thunderstorms. For wind to be severe enough to damage a property significantly, warranting the need to file a home insurance claim, speeds must be over 50-60 mph Those who live in areas that are at high risk for thunderstorms, tornadoes, and other tropical storms should be on high alert for potential wind damage. The effects can range in severity depending on where the property is located, as well as what type of structure it is. For example, mobile homes are more prone to wind damage that could destroy the entire property, flipping onto the ground completely. However, all homeowners should be aware of what wind damage looks like in order to be able to recover from the damages as quickly as possible, regardless of what type of property they reside on.
What Does Wind Damage Look Like?Wind damage is one of the most significant causes of home insurance claims, being that it is a large component in most natural disasters and storms. Although it is a very common occurrence, many homeowners are confused at the thought of wind damage as a whole. What exactly can be affected by high-speed winds? Damage to the exterior structure of the home, the roof, as well as the interior can all become victim to wind damage. These are the areas of your home that are most at risk for wind damage following a storm:
- Entry doors
- Garage doors
Inspecting Your Property After The StormWhen you have experienced strong winds on your property and you suspect some areas of your home might have been damaged, the first thing that you will need to do is complete an inspection to figure out what has been affected. This will allow you to understand the damages that you are dealing with after the fact. While you are completing this task, you must keep yourself safe from any potential hazards that might not yet be visible. Here are some helpful safety tips to keep in mind while you are walking through your property for the first time following a storm:
- Use a flashlight (if needed)
- Stay away from any loose objects above you
- Watch out for anything on the ground that could trip you
Is Wind Damage Covered By Home Insurance?What is covered by home insurance in the event of wind damage will vary between individuals, so it is always important to understand your policy before you could potentially be affected. However, home insurance companies will generally offer two main types of coverage in this aspect, as explained below. Dwelling Coverage Dwelling coverage has to do with the outer structure of the home, including exterior walls, windows, doors, and entryways that experience damage. Insurance policies that offer dwelling coverage will cover repairs and replacements for these areas if necessary after a claim is filed. Personal Property Coverage Personal property coverage, on the other hand, deals with the inside of the home. If any personal belongings are damaged or destroyed as a result of the wind, they will be repaired or replaced as necessary. This also includes any damage from water, dirt, or dust that may have entered the home after any openings were created from the exterior of the home.
How To Prevent Wind Damage To Your HomeAs a homeowner, there are a few precautions that you can take before an upcoming wind storm in order to lessen the impact on your home as much as possible. First and foremost, you should always keep up with weather predictions and warnings in your area. If you happen to live in a location that is prone to tropical storms, you should be prepared for storm season every year. If you suspect that high-speed winds will come near your home, you should take preventative measures around your property before the storm begins. Here are some things that you can do before the storm to lessen wind damage:
- Trim loose branches on trees and plants
- Get rid of gravel and small rocks
- Put shutters over your windows
- Strap down your roof and any entry doors