Tornado damage, like water damage, can be hidden. Opposing winds can damage the structural integrity of the property foundation and high winds can cause damage beneath flooring or behind walls. This damage can’t be understood through observation alone and having a team of industry experts is key. Tornado damage can also be extensive especially when ensuing rain damage occurs to the interior and contents after a tornado damages the building envelope.
Although the first step to being fully reimbursed for tornado damage is having the right type of coverage, the right policy does not ensure your claim will cover the full cost of repairing or replacing your property following a disaster.
When you settle an insurance claim, it releases the insurance company from further liability. An expert who knows what to look for from wind damage can prevent you from settling for too little, especially when it comes to unseen wind damage from a tornado.
Tornado damage has all the problems associated with fire damage, such as properly valuing reconstruction costs, with the added complexity of hidden damage. Having an expert to advocate for you is the only smart decision.
If your building is unsafe to occupy, understanding the loss of use provisions of your policy can save you from making costly mistakes. Many people misinterpret what the loss of use provision covers. This leads them to add expenses they can’t afford because they believe their insurance coverage is greater than it is. A public adjuster will help you understand your coverage and make sure the insurance company pays you everything you’re entitled to receive.
Natural disasters like tornadoes can happen at any time. When many properties are damaged at the same time, reconstruction costs increase because of supply and demand in the area. Your public adjuster will be able to estimate and document this aspect of your claim to ensure your settlement provides enough to rebuild.
United Public Adjusters will represent your interests and understand how to evaluate every aspect of your property to ensure you are appropriately compensated for your claim.