Whenever the wind blows fierce, there is always the potential for damage to buildings, whether the damage is caused by blowing debris, a tree fall, or the force of the wind itself. Wind damage can be significant, there could be concealed damage, or a dispute over the causation of the loss itself. Disputes often arise over the issue of repair vs. replacement and the issue of potential hidden damage.
In New York, some policies even have high deductibles for windstorm claims, by way of endorsement, for every windstorm damage claim, while most homeowner's policies have significant catastrophic windstorm deductible for storms classified above a certain level. While policies vary, a policy may contain sub-limits for tree removal, mold remediation, and other aspects of the loss related to the wind damage.
Claimed damage to a roof, for example, is very typically an area of dispute, with insurance companies often taking the position that the damage is minimal, or the the roof can be easily fixed or "patched." The insurance company's position however may be in direct conflict with what you are entitled to under the policy.
Even if there are no issues as to coverage, a claims professional is advised. Statistics have shown that an insured who is represented will recover substantially more than one unrepresented. Our office can assist immediately, 24/7 and help with claim submission, obtaining estimates, emergency remediation, alternative living, and piece of mind.
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