Front-banner

Wind Damage Claim Lawyer: Help with Ohio Homeowner’s Insurance

Home /  More Practice Areas /  Homeowner’s Insurance Claim Lawyers in Ohio /  Wind Damage Claim Lawyer: Help with Ohio Homeowner’s Insurance

Helping Me, That's HNB

What Benefits Cover 
Types of Workers 
Common Injuries 
Workers’ Comp Questions 

How to Set Things Right after Expensive Losses from a Windstorm

Wind damage to a home is one of the most common causes for insurance claims in Ohio. Tornadoes, straight-line winds, winter storms—even far-ranging hurricane remnants—can rip apart roofs, damage siding, tear out fences, or demolish garages and sheds.

Homeowner’s insurance policies cover the costs of repairing or replacing properties damaged by wind.

It sounds simple enough. As with every aspect of insurance, however, it gets complicated.

Weather events have become more frequent, and insurance companies are hedging their bets in the face of more claims every year. Damage that may have qualified for a full replacement several years ago may now only win enough compensation to make spot repairs.

Ohio has laws to keep insurance companies in check, making sure they pay for repairs that match existing homes. But that doesn’t mean insurance companies don’t look for ways to keep costs down.

If winds from a storm have damaged your property, having a lawyer with experience in homeowner’s insurance and wind property damage can mean all the difference between meager help and compensation you need to put your life back together.

The wind damage claim lawyers at Horenstein, Nicholson & Blumenthal (HNB) have been helping Ohioans recover from property damage, injuries, and other setbacks in life for more than 40 years.

If you live in Cincinnati, Cleveland, Columbus, Dayton, or anywhere in Ohio, we can help you.

We want all our clients to say, “Helping me, that’s HNB.”

Contact HNB  Contact HNB 

GET HNB TO HELP YOU

    What Type of Damage Gives You a Wind Damage Claim?

    High winds come with powerful thunderstorms, tornadoes, even hurricanes that travel inland from the coasts.

    The National Weather Service has a warning system to let residents know when they can expect high winds. It issues advisories when winds hit 30 miles per hour, and warnings for sustained winds over 40 mph.

    But damage can occur at lower speeds, especially with less secure items on a property.

    You can take precautions before a storm.

    Secure objects that can turn into projectiles. Check your siding and your roof for loose shingles, vinyl, and boards.

    When the wind starts to howl, the damage can range from minor to major—and it often relates more to the condition of your property than the strength of a storm. A new roof, for instance, is more likely to withstand fierce winds than an older one that’s starting to weaken.

    Insurance companies will take the condition of a property into account when deciding how much to pay. You may have to fight if they want to argue you didn’t keep your property in good condition before a storm strikes.

    Homeowner’s insurance is a profit-driven business, and they will try to pay as little as possible. They may undervalue your home, calculating its depreciated value over time unless you have a full replacement clause in your policy.

    Get an experienced wind damage lawyer in Ohio to protect your access to insurance support.

    It can be hard to decipher your coverage, especially when dealing with the added stress of a damaged home.

    The best advice we can give you is don’t take the insurance company’s first proposal. With the right steps, you can get more.

    HNB has helped Ohioans secure millions of dollars in awards and settlements, and we know a low-ball offer when we see one.

    Have us look at your wind damage claim before you agree to anything. Your first conversation with us is always free. We’ll evaluate your situation and help you set a course of action to fully rebuild and recover.

    Get My Free Case Review 

    Steps to Take When Filing a Wind Property Damage Claim

    First, when the wind picks up, make sure you and your family are safe. Stay away from windows and head to your basement or find a secure room toward the middle of your home.

    Once the winds die down, the real work begins.

    • Document the damage. Take photos and detailed notes. If you have photos of your property from before the storm, it’s good to gather those for comparison.
    • Schedule a professional assessment. Having a trained inspector look over your property may turn up damage you missed. Make sure you’re there to meet them.
    • Give your home insurance policy a close read. Check it for what your insurance has agreed to cover when it comes to wind damage. Also understand your deductible, so you know how much of the cost you will have to shoulder. (Even better, have your lawyer review your policy.)
    • Contact your insurance company. You typically have a year to file an insurance claim, but it’s best to start as soon as possible.
    • Get in touch with a wind damage lawyer in Ohio. A skilled wind damage claim lawyer knows the laws around repairs and replacements. Ohio has a law that insists insurance companies pay for repairs that match the look and quality of your roof, siding, or other parts of your house. Don’t let them steer you toward cheaper materials or convince you that a spot repair will do when you qualify for a full replacement.

    At HNB Law, we fight for the rights of Ohio families who need to rebuild after a bad storm and deserve all available financial resources to help them.

    We can help you tell your story to maximize the payout you’re owed to put your house and life in order again.

    We can appeal a denied claim and dispute an inadequate offer. We’ll take the insurance company to court if need be.

    You don’t have to rebuild alone. It takes a community to recover, and at HNB we pride ourselves on helping our neighbors every step of the way.

    Call HNB Today