What Counts as Wind

In South Florida, where tropical storms and hurricanes are a seasonal reality, understanding what counts as wind is crucial for homeowners and business owners alike. Wind damage can be deceptive—sometimes visible, sometimes hidden—and knowing how it’s defined by insurance policies can make all the difference when filing a claim. At LMR Public Adjusters, we specialize in helping property owners navigate these complexities to ensure they receive the compensation they deserve.

Defining Wind Damage: More Than Just a Breeze

Wind damage refers to any destruction or loss caused by high-velocity winds. This includes:

• Shingles ripped from rooftops
• Broken windows and doors
• Fallen trees damaging structures
• Flying debris causing structural harm
• Water intrusion due to wind-compromised roofing

But what counts as wind in the eyes of your insurance provider? Not all policies treat wind damage equally. Some may cover hurricane-force winds but exclude tornadoes or straight-line winds. Others may require specific documentation or proof that the wind was the primary cause of the damage.

Why Wind Damage Claims Are Often Denied

Insurance companies frequently deny or underpay wind damage claims due to:

• Insufficient documentation
• Disputes over the cause of damage (wind vs. wear and tear)
• Policy exclusions or high deductibles

This is where the expertise of LMR Public Adjusters becomes invaluable. Our team conducts thorough inspections, gathers compelling evidence, and negotiates directly with insurers to ensure your claim is accurately represented and fairly settled.

Common Misconceptions About Wind Damage

Many property owners assume that if there’s no visible damage, there’s no claim. However, wind can cause hidden structural issues, such as:

• Loosened roofing materials
• Compromised seals around windows and doors
• Cracks in walls or foundations

These issues may not be immediately apparent but can lead to significant problems over time. That’s why it’s essential to have a professional assessment after any major wind event.

How LMR Public Adjusters Can Help

As South Florida’s premier public adjusters, LMR Public Adjusters offers a full range of services to help you recover from wind damage. Whether you’re dealing with a minor roof leak or extensive structural damage, our team is equipped to handle every aspect of your claim. We’ve successfully represented clients across the region, from Fort Lauderdale to Pembroke Pines, ensuring they receive the maximum compensation possible.

We also specialize in related claims such as water damage, mold damage, and plumbing damage, which often accompany wind-related incidents.

Final Thoughts

Understanding what counts as wind is essential for protecting your property and your financial well-being. Wind damage can be subtle yet severe, and navigating the insurance claims process alone can be overwhelming. With LMR Public Adjusters by your side, you gain a trusted advocate who will fight for your rights and ensure your claim is handled with the care and expertise it deserves.

If your home or business has been affected by wind or storm damage, don’t wait. Let our experienced team provide a free claim assessment and help you recover what you’re entitled to. Contact LMR Public Adjusters today and take the first step toward a fair and full settlement.