Is Wind Damage Covered Under Insurance?

Posted on by msi-admin

When strong winds sweep through an area, they can leave a trail of destruction, from torn-off shingles and broken windows to fallen trees and structural damage. If you’re dealing with the aftermath of a windstorm, one of your first questions may be: Is wind damage covered under insurance? The answer depends on your specific policy, but in many cases, homeowners’ insurance does cover wind-related damage. However, complications arise when wind damage leads to other issues—especially water damage.

What Does Homeowners Insurance Typically Cover?

Most standard homeowners’ insurance policies do cover wind damage, particularly from storms, hurricanes, and tornadoes. This usually includes:

However, coverage can vary based on where you live. In hurricane-prone areas, for example, some policies may have higher deductibles for wind-related claims, or they may exclude windstorm damage altogether unless additional coverage is purchased.

The Hidden Risk: Water Damage After Wind Damage

One of the most overlooked aspects of wind damage is how it can lead to water intrusion. If your roof is compromised, shingles are torn off, or windows are broken, rainwater can enter your home, causing further destruction. Water damage from wind-related issues can result in:

  • Ceiling leaks and water-stained walls
  • Mold growth due to trapped moisture
  • Damaged insulation and structural weakening
  • Electrical hazards from water exposure

While insurance policies generally cover water damage if it’s a direct result of wind damage, things get complicated when insurers determine whether the water came from rain entering through a damaged structure or from rising floodwaters.

Wind vs. Flood Damage: Understanding the Difference

Insurance companies often make a key distinction between wind-driven rain (which is usually covered) and flooding (which typically requires separate flood insurance). If water enters your home because wind damaged your roof or windows, it is generally covered. However, if water damage results from storm surge, overflowing bodies of water, or groundwater seeping in, standard policies do not cover it—this falls under flood insurance.

Steps to Take After Wind and Water Damage

If you’ve suffered wind-related damage to your home, here’s what you should do:

  1. Document the Damage: Take photos and videos of any wind and water-related damage as soon as it is safe to do so.
  2. Prevent Further Damage: If possible, cover broken windows and damaged areas with tarps or boards to prevent additional water intrusion.
  3. Contact Your Insurance Provider: Report the damage promptly and provide as much evidence as possible.
  4. Schedule Professional Water Damage Restoration: Prompt cleanup is crucial to prevent mold growth and long-term structural issues.

Need Help After Wind and Water Damage?

Dealing with storm damage can be overwhelming, especially when water is involved. At MSI, we specialize in water damage restoration, mold remediation, and emergency storm damage cleanup. Our team can help assess the damage, dry out affected areas, and restore your property to pre-loss condition. If you’re dealing with wind and water damage, don’t wait—contact us today to get expert help.

The Most Common Types of Storm Damage in Delaware County, PA

Posted on by msi-admin

Delaware County PA, like many areas on the East Coast, is no stranger to severe weather. From heavy rainstorms to winter snowstorms, these conditions can cause significant damage to homes and businesses. Understanding the most common types of storm damage can help you prepare and act quickly if disaster strikes. Here’s an overview of the storm damage types you might encounter in Delaware County and how to protect your property.

1. Wind Damage

Strong winds are often one of the most immediate threats during storms in Delaware County. Winds of 50-70 mph (common in strong thunderstorms) can cause substantial damage to homes, trees, and power lines.

Common Issues:

  • Roof damage: Shingles, flashing, or even entire sections of a roof can be torn off.
  • Fallen trees and branches: Trees and large branches can fall on homes, vehicles, or power lines.
  • Broken windows: Flying debris or falling tree limbs can break windows, allowing rain to enter.

What to Do:

  • Trim overhanging branches regularly to reduce the risk of damage.
  • Consider installing impact-resistant windows and reinforcing your roof.

2. Flooding and Water Damage

Heavy rainfall or snowmelt often causes localized flooding, especially in areas near rivers, streams, or poor drainage zones. In Delaware County, storms can overwhelm local infrastructure, leading to water seeping into homes and businesses.

Common Issues:

  • Basement flooding: Poorly sealed foundations or backed-up sump pumps can lead to water entering basements.
  • Damaged foundations: Prolonged exposure to water can weaken the foundation, causing cracks or shifts.
  • Mold growth: Floodwater can leave damp conditions in its wake, fostering mold growth.

What to Do:

  • Ensure your sump pump is in good working condition.
  • Seal any cracks in your foundation and waterproof your basement.

3. Hail Damage

Hailstorms are a frequent cause of damage during spring and summer months in Delaware County. Hailstones can range from small pellets to golf-ball-sized chunks, and they can cause serious harm to roofs, windows, and vehicles.

Common Issues:

  • Roof damage: Hail can crack shingles, leaving your roof vulnerable to leaks.
  • Car damage: Vehicles left outdoors can suffer dents, broken windows, or damaged paint.
  • Broken windows: Hailstones can shatter glass, allowing rain to enter your home.

What to Do:

  • If a hailstorm is expected, park vehicles in a garage or sheltered area.
  • Install impact-resistant roofing to minimize hail damage.

4. Snow and Ice Damage

Winter storms can lead to dangerous conditions like heavy snow accumulation and ice. These conditions pose risks both during the storm and as they thaw, with water entering buildings and causing further problems.

Common Issues:

  • Ice dams: Ice forming along the edge of the roof can block water from draining, leading to leaks inside the home.
  • Collapsed roofs: Excess snow can accumulate on roofs, leading to a risk of collapse, especially if the snow is wet and heavy.
  • Frozen pipes: Freezing temperatures can cause pipes to burst, leading to water damage inside the home.

What to Do:

  • Regularly clear snow from your roof and gutters to prevent ice dams.
  • Insulate pipes in colder areas of your home, such as basements or attics.

5. Tree Damage

Heavy winds and rain can make trees unstable, causing them to fall onto your home or other structures. Fallen trees are especially common after intense storms or hurricanes that loosen soil or uproot trees.

Common Issues:

  • Tree falls on roof or car: A large tree can collapse onto a roof or vehicle, causing significant damage.
  • Blocked entryways: Fallen branches or entire trees can block driveways and paths, impeding access to your property.

What to Do:

  • Have trees inspected regularly, especially if they’re near your home or power lines.
  • Trim weak branches that could fall in high winds.

6. Power Outages and Electrical Damage

Severe storms can knock out power for hours or days, which can cause damage to electrical systems and appliances. Power surges, downed power lines, and flooding can lead to dangerous situations.

Common Issues:

  • Power surge damage: When power is restored after an outage, it can cause a surge that damages electrical appliances and systems.
  • Downed power lines: Fallen power lines can create fire hazards and cause electrocution risks.

What to Do:

  • Invest in a surge protector for valuable electronics.
  • Never attempt to remove downed power lines yourself—always call the utility company.

7. Storm-Related Mold Growth

Excessive moisture from flooding or a damaged roof creates the perfect conditions for mold. Mold can start growing within 24-48 hours, causing health problems and long-term damage to your property.

Common Issues:

  • Black mold: This toxic mold grows quickly in damp environments like flooded basements or attics.
  • Health issues: Mold exposure can cause respiratory problems, allergies, and other health complications.

What to Do:

  • Address any water damage or leaks immediately.
  • Consult a mold remediation specialist if you suspect mold growth.

Conclusion

Storm damage in Delaware County can range from minor inconveniences to major disasters. However, by understanding the common types of storm damage and taking preventative measures, you can reduce the risks and protect your home.

If your property has suffered storm damage, Mold Solutions & Inspections is here to help with expert restoration services. From water extraction to mold remediation, we’re ready to restore your home to its original condition.