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Published byAustin Morris
Modified over 8 years ago
Jason A. Coffin, CFEI, CVFIOCIFire.com Marcus O. Durham, PhD, PEThewayCorp.com Robert A. Durham, PhD, PEThewayCorp.com
House Damage was it caused by ? Tornado Wind Water Age Maintenance When evaluating loss Must make that determination
Look at a series of photos What are key elements to determine cause of damage
Brick Joints Highly susceptible To damage by tornado To shifting foundation
Collateral Damage Water can infiltrate damaged structure Create ideal environment for mold growth Must determine if mold existed before
Typical Damage around Windows Wind energy trying to escape Generally pushes window out Due to how windows mounted
Drywall damage between floor 1 & 2 On first floor Opposite side from wind attack Wind venter through soffit
Drywall Damage Roof structure lifted Separate from foundation
Structure Damage Corner removed by winds
Roof Structure Damage Roof, interior walls, sheetrock Removed from portion of house
Garage Door First item removed Large area, no structural strength Straight winds t hen penetrate structure
Garage Door Opposite Side Force of wind Physically rip brick & ties from house
Crack in Wall Not just in mortar joints Bricks break due to wall movement Contrast with foundation settling
Movement from Foundation Separate from first course of brick House picked up and set back down Barbed wire between courses
Electrical Wire Retainer Far portion held up by electrical wiring to electrical panel Pulled all wiring in structure Necessitated rewire of house
More Drywall Cracks Caused by tornado Or was it previous foundation problems?
Flying Debris Inside Not all damage by stuff breaking Rain water, mud, projectiles
Catastrophic failure takes more than one element Garage door removed Exterior wall shifted Joist lost perch & roof structure failed Dominos ?
Another Forced Event
Partial Underground Not immune to severe structural damage Required demolition
Impact from Debris Interior wall Flying from neighbor’s debris
Basement Structural Wall Force sandwiched mortar Compromised structure Severe water penetration
Between Floor Joists Located underground Force twisted joists Separated nails
Only House in Area w/ Any Damage Missing portion of roof Suspect poor framing on connection to main structure
Damage besides structural Only roof heavily damaged Water intrusion required new sheetrock, insulation, HVAC, electrical
Roof Structure Lifted All soffit trim failed to meet Sign of probable framing damage
Repairable Typical repairable structure
Pulled out Nails in Attic Result in caving in of roof structure
Not All Damage Is Tornado Previous tuck point repair on structure Pay for tornado damage repairs not previous problems.
Not All Damage Is Tornado Previous repair attempt on drywall
Damage Interior Only Outside walls undamaged
Roof Structure Damage Split roof support Pull nails most common type of repairable damage
Unpredictable Damaged vehicle Damaged house in foreground Undamaged house in distance
Recap Tornado damage unpredictable Collateral damage is often most expense Water roof leak Water foundation leak Not all damage is due to tornado
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