Types of Property Damages that Occur During Hurricane Season

Hurricane season is right around the corner for us Floridians. With the season of hurricanes often comes damages and property losses due to heavy winds, rains, and other weather changes. When hurricanes roll through your area, you need to take some extra precautions to protect from property claims in central Florida. These are the types of damages that often occur as a result of hurricanes.

Roof Damage or Collapse

When hurricanes listed under category 4 come in at their tremendous speed of 130 to 156 mph, even the strongest roofs can get torn or ripped off your home.  However, having this damage covered in your insurance claim is affected by quite a few factors. What was the time of purchase of the roof? Was it in need of repair before the hurricane? All these factors are to assist the insurer in judging the condition of the roof before the disaster.   If your roof has been in good condition, you may get full coverage of repairing your roof or even get a new roof.

Interior Damage

After your roof gets damaged, just as about anything else attached to your house can get damaged. Most homeowner policies cover your dwelling with all its built-in appliances, so you shouldn't hold back from reporting such damages. Wind-powered rains and debris can damage the walls, windows, furnishings, and flooring.  Even worse is the growth of mold usually seen after hurricane damages. But while most policies might be restricted from taking on mold growths, you should still get good coverage for most interior damages.

Equipment Damages

Not all that gets damaged in a hurricane was built into the house. Some of your personal belongings, and as a business, your equipment can also get damaged. Telephone systems, generators, steam boilers, among others, can get damaged. These are also essential insurance claims to help get your physical and financial recovery after a hurricane.  You should, however, note that most standard homeowner policies won't cover damages from flooding and storm surges that arise from ground level. The focus is the wind-related ones. However, you can be better prepared for this if you have the right policy that allows you coverage even from flooding. 

Damages to Public Utilities

Your buildings won't be the only property that gets damaged in a hurricane. The windstorms can very well damage the water, electrical, and telecommunication utilities in the area. For cases like this, you and the other occupants of the area can file an insurance claim to get these repaired. However, hurricane damages can often lead to complicated insurance claims, given the limitations attached to several policies. So, you should be ready to get help, usually from adjusters, who have more understanding and expertise to steer the situation.

These are just a few of the common types of property damage that can occur as a result of a hurricane. If you have suffered property damage from a hurricane, you will want to file property claims in central Florida to get the compensation from your insurance company to cover damages.
To hear more about our reputable team of professional insurance adjusters today, contact Ultra Property Damage.