First, there is wind damage. Wind can cause roof damage, structure damage to windows and siding, building framing plantings, and trees. Once the home or business has sustained damage and the roof or building envelope has been compromised the building is now open to the weather.
The second type of damage that occurs is resulting in water damage from the rain due to the compromised business or home.
Third, hurricanes can cause flooding. There are different types of flooding.
The fourth is ground water entering your home through the foundation or basement called hydrostatic pressure. Fourth, flooding can also mean surface water such as the images we see on television recently due to Hurricane Fiona or flash flooding.
Fifth is power outages, power outages are common and can last for hours or months. Loss of power means no refrigeration. Businesses’ such as restaurants and hotels can have very large food spoilage claims due to loss of power.
It’s important the restoration professional has experience with all types of damage because the insurance coverage can vary. For instance, some flooding is covered, and some flooding is not. The insurance coverage depends on your policy and geographical location. Some homes and businesses have flood insurance with FEMA. FEMA flood insurance has very strict rules for what is covered and what is not.
Before you hire a restoration professional it is extremely important to understand what your potential out-of-pocket cost may be. A responsible restoration company will have this “up front” conversation. H2O Damage is available 24/7 to respond to all your emergencies.
https://www.fema.gov/glossary/flood-insurance-rate-map-firm
https://weather.com/storms/hurricane/news/2022-09-18-hurricane-fiona-landfall-puerto-rico