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Jason A. Coffin, CFEI, Marcus O. Durham, PhD, Robert A. Durham, PhD,

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Presentation on theme: "Jason A. Coffin, CFEI, Marcus O. Durham, PhD, Robert A. Durham, PhD,"— Presentation transcript:

1 Jason A. Coffin, CFEI, Marcus O. Durham, PhD, Robert A. Durham, PhD,

2 House Damage was it caused by ?  Tornado  Wind  Water  Age  Maintenance When evaluating loss Must make that determination

3 Look at a series of photos  What are key elements to determine cause of damage

4 Brick Joints  Highly susceptible  To damage by tornado  To shifting foundation

5 Collateral Damage  Water can infiltrate damaged structure  Create ideal environment for mold growth  Must determine if mold existed before

6 Typical Damage around Windows  Wind energy trying to escape  Generally pushes window out  Due to how windows mounted

7 Drywall damage between floor 1 & 2  On first floor  Opposite side from wind attack  Wind venter through soffit

8 Drywall Damage  Roof structure lifted  Separate from foundation

9 Structure Damage  Corner removed by winds

10 Roof Structure Damage  Roof, interior walls, sheetrock  Removed from portion of house

11 Garage Door  First item removed Large area, no structural strength  Straight winds t hen penetrate structure

12 Garage Door Opposite Side  Force of wind  Physically rip brick & ties from house

13 Crack in Wall  Not just in mortar joints  Bricks break due to wall movement  Contrast with foundation settling

14 Movement from Foundation  Separate from first course of brick  House picked up and set back down  Barbed wire between courses

15 Electrical Wire Retainer  Far portion held up by electrical wiring to electrical panel  Pulled all wiring in structure  Necessitated rewire of house

16 More Drywall Cracks  Caused by tornado  Or was it previous foundation problems?

17 Flying Debris Inside  Not all damage by stuff breaking  Rain water, mud, projectiles

18 Catastrophic failure takes more than one element  Garage door removed  Exterior wall shifted  Joist lost perch & roof structure failed  Dominos ?

19 Another Forced Event

20 Partial Underground  Not immune to severe structural damage  Required demolition

21 Impact from Debris  Interior wall  Flying from neighbor’s debris

22 Basement Structural Wall  Force sandwiched mortar  Compromised structure  Severe water penetration

23 Between Floor Joists  Located underground  Force twisted joists  Separated nails

24 Only House in Area w/ Any Damage  Missing portion of roof  Suspect poor framing on connection to main structure

25 Damage besides structural  Only roof heavily damaged  Water intrusion required new sheetrock, insulation, HVAC, electrical

26 Roof Structure Lifted  All soffit trim failed to meet  Sign of probable framing damage

27 Repairable  Typical repairable structure

28 Pulled out Nails in Attic  Result in caving in of roof structure

29 Not All Damage Is Tornado  Previous tuck point repair on structure  Pay for tornado damage repairs not previous problems.

30 Not All Damage Is Tornado  Previous repair attempt on drywall

31 Damage Interior Only  Outside walls undamaged

32 Roof Structure Damage  Split roof support  Pull nails most common type of repairable damage

33 Unpredictable  Damaged vehicle  Damaged house in foreground  Undamaged house in distance

34 Recap  Tornado damage unpredictable  Collateral damage is often most expense  Water roof leak  Water foundation leak  Not all damage is due to tornado

35 Questions?

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