Hurricane Damage Claims



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Insurance claims from Hurricane Damages losses to insurers could total over $110 billion if conditions normalize.

Texas, particularly, has been largely unaffected in recent years by destructive hurricane and tropical storm activity, and it always pays to be prepared. Please watch the following 2017 forecast.

Today, many property and business owners are still dealing with the aftermath of Hurricane damage insurance claims in Florida and other states from last year.

Most commercial hurricnae damage insurance claims in the United States are grossly underpaid.

 

In some cases, policyholders may choose to work with a public adjuster.

Wind/Building Interactions

When wind interacts with a building, both positive and negative (i.e., suction) pressures occur simultaneously. (Note: negative pressures are less than ambient pressure, and positive pressures are greater than ambient pressure.) An office building must have sufficient strength to resist the applied loads in order to prevent wind-induced building failure. The magnitude of the pressures is a function of the following primary factors:

Schematic of wind-induced pressures on a building

When a building is pressurized, the internal pressure pushes up on the roof. This push from below the roof is combined with the suction above the roof, resulting in an increased wind load on the roof. The internal pressure also pushes on the side and rear walls. This outward push is combined with the suction on the exterior side of these walls. Therefore, a pressurized building increases the wind load on the side and rear walls (see Figure 4) as well as on the roof.

Section and plan schematic of positive internal pressure condition when the dominant opening is in the windward wall

Building height.

Wind speed increases with height above the ground. Therefore, the taller the office building, the greater the speed and, hence, the greater the wind loads on the building.

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