Hurricanes, Tropical Storms, & Earthquakes

Hurricane, tropical storm and earthquake destruction is difficult to navigate because most insurance policies exclude this type of damage. Your insurance provider may deny your coverage because a flood surge occurred, even though wind damage (a covered peril) may have caused your property’s destruction. Make sure you work with a public adjuster who can help you negotiate and settle your claim.

Hurricane and Tropical Storm Damage

Hurricanes and tropical storms consist of massive downpours of rain. Many people use these two terms interchangeably, but there’s a minor difference between them: wind speed. For scientists to classify a storm as a hurricane, it must have sustained winds of 74 MPH or more, whereas tropical storms have sustained winds of 73 MPH or less. Regardless of wind speed, both natural disasters are capable of damage.

Powerful ones can dump dozens of inches of rain in one day, which can result in flooding. Furthermore, high sustained winds can cause significant structural damage to buildings. Gusts of wind can turn over vehicles, collapse a structure’s walls, and blow over trees.

Earthquake Damage

Earthquakes occur when masses of rock in earth’s crust collide. In a matter of seconds, they can destroy buildings, knock down power lines, and injure thousands of people. Most deaths occur when buildings collapse, which is why most countries enforce strict building codes. Still, a strong earthquake can go on for minutes, resulting in ground rupture, landslides, fires, or tsunamis.

Your insurance provider may tell you that your home or business’s damage is not covered. Let Hudson Douglas Public Adjusters review your claim to ensure you’re getting the most out of your insurance policy. We represent you, not your insurance company.