Metropolitan Environmental Services
Hail Damage, Residential Flood Damage, Commercial Building Water Damage
The peril of windstorm involves damage caused by direct action of the wind, including high winds, tornadoes and hurricanes. Windstorm damage to an exterior is usually evident, there is often a question to the structural integrity of a building. Frequently, water damage inside a structure is often claimed as a result of wind driven rain. Metropolitan checks the weather for the area, particularly sustained maximum winds and gust velocity and their direction. We also determine if the storm produced other evidence of high winds in the area.
Wind must reach sufficient velocity to have caused direct damage at more than one location to establish a "windstorm" loss. Basement flooding and leaks through an aged roof are not a windstorm loss. Although windstorm peril may not cover losses to items outside of the insured building: awnings, signs, plants, shrubs or trees, we observe them and document them as an indicator of a windstorm.
When we find windstorm related water intrusion it is often the result of recent poor workmanship and/or product liability issues. If similar work was done on the property, Metropolitan checks for hidden conditions similar to the loss sustained.
Commercial Building Water Damage
, Hail Damage
, Residential Flood Damage
, Wind Damage