Storm Damage

Understanding Storm Damage and Insurance Coverage

What Is Considered Storm Damage?

Storm-related damage can take several forms, often dependent on the type of storm and its severity. Here are some common causes of commercial property damage due to storms:

• High Winds: Can tear shingles, damage roofs, and even compromise structural integrity.

• Heavy Rain: Leads to flooding, water intrusion, and subsequent mold growth.

• Lightning Strikes: May result in fires or electrical system failures.

• Hailstorms: Can shatter windows, damage HVAC systems, and dent property exteriors.

• Tornadoes & Hurricanes: Inflict widespread destruction, with flying debris worsening damage.

Does Commercial Insurance Cover Storm Damage?

Most commercial property insurance policies include coverage for storm damage, but specifics vary. Businesses need to closely examine policies for inclusions, exclusions, and added riders for specialized coverage, such as hurricane or flood insurance.

Here’s what to check in your policy:

• Standard Coverage for wind, hail, or lightning damage.

• Additional Storm Policies for floods or hurricanes, which may require riders.

• Business Interruption Coverage for revenue lost due to storm-related closures.

• Exclusions for common exclusions like pre-existing conditions or inadequate maintenance.

Understanding your policy’s scope is critical, and the team at JPA Claims can help you decode the fine print.

Common Types of Storm Damage in Commercial Buildings

Storm damage manifests in various ways—each requiring prompt attention. Common examples include:

• Roof and Exterior Damage: Missing shingles, punctured roofs, and cracked facades.

• Water Damage: Weakening structures, damaging interiors, and causing mold growth.

• Electrical System Damage: Power surges or lightning leading to equipment failure.

• Window and Glass Breakage: Shattered windows and doors from flying debris.

• Signage and Landscaping Destruction: Affecting visibility and business accessibility.

Immediate Steps to Take After Storm Damage

Protect Your Property and Business

1.Ensure Safety First

Evacuate employees and customers as needed to prevent injury.

2.Inspect the Damage

Document all affected areas by taking detailed photos and videos.

3.Secure the Property

Prevent further damage by covering exposed areas (e.g., tarping roofs, boarding windows).

4.Report Damage to Authorities if Necessary

Certain damages, like structural collapse, may require local authority involvement.

5.Review Your Insurance Policy

Evaluate your policy for coverage details and limitations.

6.Contact JPA Claims Immediately

The sooner you involve the experts, the sooner your claims process begins.

Challenges in Filing a Storm Damage Insurance Claim

The insurance claim process is often overwhelming and fraught with challenges, such as:

• Delayed Response Times

High claim volumes can create long waits for insurance company assessments.

• Partial Denials

Insurance adjusters may underestimate repair costs or omit covered damages.

• Disputes Over Pre-Existing Conditions

Insurers may wrongly attribute damages to lack of maintenance rather than the storm.

• Policy Limit Exclusions

Wind or flooding coverage gaps can lead to outright claim denials.

• Contentious Business Interruption Claims

Insurers might dispute the revenue losses tied to storm-related closures.

This is where hiring a trusted public adjuster like Saleh Josephson becomes invaluable—a professional who fights on your behalf to secure fair compensation.

How to File a Storm Damage Claim with JPA Claims

Step 1: Review Your Policy

Read through your policy to understand deductibles, exclusions, and further coverage options.

Step 2: Document the Damage

Gather high-quality evidence, including photos, video footage, and receipts for any emergency repairs you’ve initiated.

Step 3: Partner with a Public Adjuster

Work with Saleh Josephson of JPA Claims to gain expert insights and avoid pitfalls in the claims process.

Step 4: Obtain Professional Assessments

Have third-party experts like structural engineers and restoration professionals evaluate the extent of your damage.

Step 5: Negotiate Your Claim

JPA Claims ensures you receive full and fair compensation, even handling disputes, delays, or poor offers from your insurance company.

Why JPA Claims and Saleh Josephson Are Your Best Allies

Filing a storm damage claim doesn’t have to feel like an uphill battle. At JPA Claims, we know that insurance companies are often more focused on minimizing their payouts than helping you recover. That’s why we advocate aggressively for business owners like you.

How We Add Value:

• Expert Damage Evaluation

We ensure no damage goes unnoticed or undervalued in your claim.

• Claim Strategy & Negotiation

From filing your claim to resolving disputes, we leverage our expertise to maximize settlements.

• Comprehensive Support

We guide you step-by-step, so you can focus on restoring your business rather than navigating red tape.

With Saleh Josephson’s vast experience, you'll gain a seasoned partner dedicated to achieving the best possible outcome for complex storm damage claims.

Move From Damage to Recovery Confidently

Recovering from storm damage requires quick, informed decisions, and the confidence that you’re backed by experts who put your best interests first. Whether you’re struggling to decode your policy, prove losses, or negotiate delays, JPA Claims is here to help you every step of the way.

Take action today. Contact JPA Claims to secure maximum compensation for your storm damage claim.