Pinnacle Limited - The Preeminent Authority on Forensic Roof Analysis


Wind Test

Wind damage can come in many shapes, forms, and fashions including severe thunderstorms, tornadoes, and hurricanes. Roofing materials are subject to damage from strong winds and flying debris. Generally, roofs are not designed to withstand winds of hurricane and tornado intensity. However, roofs may also be damaged by winds of moderate intensity, with gust that may reach 50 to 75 miles per hour. The primary cause of wind damage is from the partial vacuum created by wind blowing over the edge of the roof. Nature tries to neutralize the low-pressure area by bringing in air from a higher pressure area, usually from inside the building. This air pushes up on the bottom side of the roof assembly and, over time, loosens fasteners and breaks the adhesion making the roof susceptible to damage from the next moderate or strong wind.


Most insurance contracts have the peril of windstorm included in their coverage. This includes tornadoes, tropical storms, and high winds produced by severe thunderstorms. Most policies are quite clear in that they will pay for any direct physical loss caused by Wind Damage. This is easily addressed when the entire roof or a large section of the building may be blown off. What about when a roof system has been uplifted? Does the roof need to be replaced or can it be repaired? Is there coverage for damage caused by water leaking into the building? What about lost business income? What about water damage to inventory? These are just a few variables of a Wind Damage claim that may not be quite so clear.

Pinnacle Limited utilizes the science of Forensic Roof Analysis to inspect, document, and test the structure following a severe wind event. We use our findings to compile all the data necessary to present a full report to the insurance company substantiating your claim. We negotiate on your behalf to ensure you are paid not just for the obvious portions of your claim, but also the other items and circumstances you may have encountered as a result of the loss.

Typically a property insurance policy covers direct physical damage from windstorm. If direct physical damage is obvious, such as entire roofs/walls or portions of roofs/walls blown away, then a coverage determination becomes easy. Then the major concern of the property owner becomes, "What is the full cost of repair or replacement to make me whole again?" Business owners will suffer down time creating the need to document business interruption loss. Homeowners will want to know, where they will live while their home is being repaired. Not only is the building loss a concern, but business inventory losses, and personal property damage frequently become a major portion of the windstorm damage insurance claim. Sometimes however, the damage from a covered peril is not so obvious. The expert public adjusters at Pinnacle Limited can point you in the right direction.

What about water damage resulting from a windstorm event? One must always look to the specific policy language of the loss in question. Typically, if the windstorm event causes a breach (break) in the building envelope (that is, the roof or walls) and water comes into the building due to that breach, then you have coverage. This would include water damage to the building itself, such as drywall damage, particle board expansion, electrical damage, mold, etc. Water damage to contents would also typically be included as part of the loss. Wind driven rain can also be very problematic in a hurricane as many insurance companies will not pay unless there is a breach or opening in a structure. Let Pinnacle Limited lend their expertise to help you determine water damage resulting from windstorm events.

More people live and work around the United States coastline than at any other point in our history. Couple that with the ever increasing cost of scarce materials and labor following a catastrophic windstorm event, makes exposure to hurricane events more severe than ever. Damage from hurricane events, especially in our coastline areas have high exposure to both windstorm and flood damage. This creates the wind vs. water controversies that fill our courtrooms following hurricane events. Why?

The primary reason is that property contracts that do cover windstorm normally exclude the peril of flood, and flood policies cover flood but not the peril of windstorm. So what happens when a hurricane damages properties, especially near our coastlines? Will the windstorm carriers and the flood carriers point fingers at each other, and leave you, the policyholder, caught in the middle. Our experience is if you have a loss from wind and flood you need to be prepared to prove which caused what part of your damage. Note that the National Flood Insurance Program (NFIP), part of FEMA, underwrites the flood policies. How does one sort out this controversy? The public adjusters at Pinnacle Limited frequently become part of this equation to assist policyholders in sorting out what is wind and what is flood.







Pinnacle Limited
Licensed Public Insurance Adjusters
& Loss Consultants

Executive Office
2150 South Central ExpresswaySuite 200
McKinney,Texas 75070

Mailing Address: P.O. Box 3188 McKinney, TX. 75070

Phone: 1.800.918.7840
Fax: 888.370.6021