lead to difficult assessments and may
include segregating damage that was
caused by wind and water infiltration.
While damage to roof areas is commonly attributable to wind, areas along the
first and second floors could be damaged by wind/water and/or flooding/
tidal surges that could affect the overall
scope and cost of the claim.
Weather-related losses are another
area where a civil engineer can greatly
assist with claims investigations. The
wreckage from a catastrophic hurricane
can devastate whole cities and cost insurers and reinsurers hundreds of millions of dollars. The common question
tends to be what damage was caused
by wind and rain and what damage was
caused by flood. A civil engineer can
provide a site inspection documenting
crucial information to help distinguish
between the damages.
Water-mark lines along building walls,
trees, and hills should always be inspected. Impact strikes indicative of objects
crashing around during a tidal-surge period are major indicators of flood damage. Usually, wind damage affects weaker
materials such as vinyl siding and asphalt-shingled roofs. Wind forces are strongest
along building corners and edges and
can damage structures from both a positive and negative (vacuum) pressure. If a
building is entirely leveled without anything left to inspect, then a civil engineer
can also estimate damage that could have
been caused by wind, rain, and flooding
based on storm weather data and flood-survey maps.
G WARPED DECKING AND DAMAGED DR Y WALL
FROM SURGE/TIDAL SPLASHING.
G COMMON INDICATIONS OF ROOF DAMAGE ALONG
WEAKER MATERIALS (ASPHALT ROOFING ON ROOF
PERIMETER AND RIDGES, HIPS, EAVES).