Weather Related Damage

Now that spring is here, the possibility of severe weather is a constant threat.  Here in the south we have just gotten through three severe storm episodes in the last two weeks.  With the severe storms come the storm claims.  It should be noted that whenever a claim is submitted to a carrier, the damage has to be weather related.  In other words, the cause of the damage has to be connectable to the resulting damage.  Although this point might seem obvious, there are those people that don’t realize what this statement means.  Just because your a/c goes out after several days of rain doesn’t mean that it was struck by lightning.  Unless lightning is proven to have been present when the failure occurred (and it is possible), the failure was most likely caused by something else.  We recently investigated an instance where a homeowner claimed that his heat pump expired as a result of ice that formed during a winter storm in February.  Upon further investigation, it was determined that the breakers that controlled power to the heating side of the unit were old and worn to the point where nuisance tripping was occurring.  As a result, the unit would not operate for more than a few minutes before shutting down.  The condition of the breakers is shown in the photograph below.  It is also understood that not everyone can be their own technician but, remember, if your claim is submitted on the basis of weather damage, the damage has to be seen as sudden and accidental.  But, more importantly, the damage has to be “connectable” to the damage causing event.  It is further suggested that when a weather related incident is encountered, it is documented as thoroughly as possible. Examples of documentation include taking photographs of ice crushing pipes, burn marks left behind after a lightning strike, wind tearing off roofing shingles, flood water level marks left on walls.  Remember to make notes and document all conversations with people involved as well.        

Cracked and Worn Breakers
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