Hurricane – Force claims expediting for carriers, TPA’s & insureds


Following a recent hurricane,Guardian Group’s Property & Casualty experts were immediately deployed to the scene of a Florida boat house condominium. Widespread impacts had been reported that included: structural damage, punctures and deformations to the metal framed boat storage structure, cracks and partial to full removal of numerous roof skylights, water intrusion and water related damage, dents to the perimeter wall panels and boat damage. Additionally, a Tiki hut thatch roof now lay on the ground, approximately 30 feet away.


An onsite walk-through with the public adjuster, a thorough review of meteorological data obtained via a strategic partner and a comprehensive photographic documentation of the property comprised the bulk of the investigation. While recorded rainfall was minor (0.10 inches), maximum storm surge was 4.6 feet. Maximum sustained winds at the subject property were 78.55 mph, with maximum gusts up to 106.01 mph.


As a matter of company policy, Guardian Group, Inc.maintains its objectivity and impartiality by avoiding policy reviews and staying out of coverage issues. In service to both our carrier-clients and their insureds, we simply spell out as clearly as possible our expert determination of what damage occurred, how and why. On this claim, based upon observed conditions and information available:


>High velocity winds were responsible for reported damage to the Tiki hut structure, damaged skylights in the boat storage structure, as well as metal trim and wall panel damage located 72-inches above ground level or higher.
>Storm surge and floating debris were responsible for those dents and punctures in the exterior metal wall panels/metal trim and hinged door that are located less than 36-inches above ground level.
>High velocity wind and/or wind-borne debris, in combination with storm surge and floating debris, were responsible for damage located between 36-inches to 72 inches above ground level.
>As for some of the exterior metal panel wall dents/punctures that occurred from the inside of the structure: a portion of this damage occurred from the storm surge that caused boats, stored on the bottom level, to become buoyant. By all indications, they floated into the metal panel walls of the structure.
>In addition, some of the interior metal panel damage is from prior everyday wear and tear due to the daily operational activity of storing and moving boats.
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