Storm Damage
Wind, hail, rain, lightning, and fallen-tree damage
Storm damage can come from several sources, including wind, hail, lightning, rain intrusion, and falling trees. Record the event date and what was observed at the property. A weather report may provide context, but inspection findings should explain the damage to the particular building. Coverage depends on the cause and policy terms.
Roof and exterior damage
Inspecting a storm loss may involve roofing, siding, gutters, windows, doors, and exterior attachments. Leave unsafe inspections to qualified professionals. Photograph affected areas from safe locations and retain reports that identify damaged components. An itemized estimate can help show whether the proposed repair addresses the full documented scope.
Interior water intrusion
Water entering through a storm-damaged opening may affect ceilings, walls, floors, and concealed materials. Document the entry location when known, along with the interior damage and drying work. The way water entered matters to a coverage review. Do not assume that all water present after a storm falls under the same insurance coverage.
Hidden storm damage
Some conditions become apparent only after an inspection or during necessary repairs. Record when additional damage was discovered and retain photographs and professional findings. Notify the insurer and ask how to present the information within the applicable requirements. Explain how the newly identified issue relates to the original reported event.
Denied or underpaid storm claims
A storm claim may be disputed because of the alleged cause, preexisting wear, repair pricing, or omitted areas. Compare the insurer’s written decision and estimate with the policy and available evidence. Hatfield can review the specific points of disagreement and discuss next steps; the outcome depends on the facts and coverage.
Difference between storm, hurricane, and flood claims
Storm is a broad description, while a hurricane may trigger particular policy terms or deductibles. Flooding and storm surge generally involve separate flood coverage rather than standard homeowners coverage. Where several causes affect a property, document them carefully and review the relevant policies instead of treating every part of the loss as one coverage question.