Yesterday’s high winds across Texas left many homeowners facing unexpected damage. Reports of downed trees, blown-off shingles, and structural concerns have already begun rolling in. If your home was in the path of this storm, it’s important to assess the damage as soon as possible.
I’ve already been out inspecting properties and have seen firsthand the impact of these high winds. Missing shingles, lifted roofing materials, and fallen debris can lead to leaks and long-term structural issues if not addressed quickly. But before you rush to file an insurance claim, it’s essential to determine whether the damage is significant enough to justify one.
How Insurance Companies Handle Wind Damage Claims
Insurance carriers evaluate wind damage claims based on several factors, including the age and condition of your roof, your policy coverage, and whether the damage is extensive enough to meet your deductible. Here’s what you need to know:
- Policy Coverage Varies: Some policies cover full roof replacement, while others only pay for repairs to the damaged portion. If your roof was already aging or in poor condition, the insurance company may reduce the payout due to depreciation.
- Deductibles Apply: Most windstorm claims are subject to a wind/hail deductible, which is typically 1-2% of the insured value of your home. For example, if your home is insured for $300,000 and you have a 2% deductible, you would need to pay $6,000 out of pocket before your insurance contributes. If the damage does not exceed this amount, a claim may not be worth filing.
- Spot Repairs vs. Full Replacement: Insurance carriers often try to limit payouts by approving only spot repairs rather than a full roof replacement, even when widespread damage is present.
- Pre-existing Damage & Maintenance Issues: If the adjuster determines that damage was pre-existing or due to lack of maintenance, your claim could be denied.
- Timely Reporting Matters: Most policies require damage to be reported promptly. Waiting too long can result in denied claims due to “delayed reporting” or “failure to mitigate further damage.”
Why You Should Get a Professional Inspection First
Not all wind damage is obvious, and not all damage is severe enough to meet your deductible. If you file a claim unnecessarily, it could still go on your insurance record, potentially impacting your rates in the future.
That’s where I can help. As a licensed Public Adjuster, I offer free inspections and consultations to help you decide whether filing a claim is the right move.
How I Can Help
- Free on-site damage assessment to determine if the damage is extensive enough to warrant filing a claim.
- Insurance policy guidance to help you understand your coverage.
- Proper documentation to ensure your damage is recorded correctly, preventing underpayment or denials.
- Representation and negotiation on your behalf if you decide to file a claim, working to secure a fair settlement.
Act Now – Don’t Wait Until It’s Too Late
Wind damage often leads to hidden issues, such as leaks that may not be immediately visible. If left unaddressed, these problems can worsen, leading to higher repair costs and potential claim denials if the insurance company determines the damage was not reported in a timely manner.
If your home was affected by yesterday’s windstorm, reach out today. I’ll inspect your property at no cost to you and help you determine the best course of action.
Call or text (210) 722-6886 to schedule your free inspection.
Bridget Baldi - Public Adjuster 