Wind Damage Attorneys

Windstorms can create destruction in ways that are sudden, unpredictable, and far-reaching.

Wind events, such as from derechos and microbursts to severe thunderstorms and hurricanes, can devastate properties in mere minutes. These events are often fast-moving but powerful enough to uproot trees, tear off roofing, or compromise entire structures. Even well-maintained buildings can suffer costly repairs.

Despite the sudden and obvious nature of wind-related destruction, policyholders often encounter pushback when trying to recover full compensation from their insurance carriers. Claims are delayed, undervalued, or outright denied, often during a time when property owners are already facing major logistical and financial strain.

At Vishio Watkins & Forry, we help clients navigate the legal and procedural landscape of insurance property damage claims. With decades of collective experience in property insurance litigation, we know how to identify wind-specific damage, interpret complex policy language, and forcefully advocate for your right to a fair recovery.

Vishio Watkins Forry is Ready to Help With Your Wind Damage Claim

We understand that navigating an insurance claim is the last thing you want to worry about after your home, school, or business has suffered wind damage. Our team is built to handle these situations with clarity, urgency, and resolve.

Our firm provides:

• Early-stage strategy and claim preparation: We advise on notice requirements, claim timing, and what evidence to gather from the outset.
• Coordination with experts: We connect you with roof inspectors, engineers, public adjusters, and restoration professionals to properly document losses.
• Thorough policy analysis: We interpret your coverage terms and help ensure your claim is framed to fall squarely within covered events.
• Claim filing and appeals: We help prepare detailed proofs of loss, respond to coverage inquiries, and challenge improper denials or underpayments.
• Litigation and dispute resolution: If your insurer remains unreasonable, we are prepared to file suit and pursue recovery through court or arbitration.

Whether your claim is just beginning or you have hit a wall with the insurance company, we can step in at any stage to help move the process forward.

Is Wind Damage Typically Covered by Insurance?

Most residential property claims and commercial property claims do include some level of wind coverage. However, the extent of coverage varies based on:

• Policy type (standard vs. named-peril)
• Whether the loss occurred in a coastal or high-risk zone
• The presence of windstorm exclusions or separate wind/hurricane deductibles

Events like derecho storm damage or extreme gusts from cold fronts may be covered, but the language of the policy and the way the damage is framed can heavily influence the outcome.

We focus on making sure your losses are correctly classified and that all applicable coverage is triggered. Our wind damage lawyers are skilled at interpreting complex policies and contesting narrow or unfair interpretations from insurers.

Common Reasons for Denial of Wind Damage Insurance Claims

Insurance companies may deny or underpay wind damage claims for a variety of reasons—some rooted in policy language, others in overly aggressive interpretation. Common reasons include:

• Blaming pre-existing conditions such as wear, tear, or poor maintenance
• Citing excluded causes like rain, hail, or flooding instead of wind
• Minimizing damage by calling it merely cosmetic
• Claiming delayed reporting, even when post-storm conditions made prompt filing difficult
• Conducting superficial inspections that miss hidden or structural damage

If your claim was denied for any of these reasons, that does not mean your case is closed. Our firm has extensive experience successfully challenging wrongful denials, supplementing underpaid claims, and taking legal action when necessary.

Building a Strong Claim: Documentation and Skilled Support

Solid documentation is the foundation of a strong wind damage claim. Even if your insurer has already inspected the property, a second opinion, especially from a neutral contractor or forensic engineer, can reveal overlooked damage. You should also:

• Take detailed photos and videos immediately after the storm, including interior and exterior views.
• Save receipts for emergency repairs, temporary lodging, or business interruption.
• Obtain written evaluations from contractors, inspectors, or roofers not affiliated with the insurance company.
• Keep a log of all correspondence with your insurer, including adjuster visits, emails, and claim status updates.

The stronger your documentation, the harder it is for your insurer to deny or delay your claim.

We help clients gather and preserve critical evidence early on. If your claim is already underway or has stalled, we can assess what is missing, identify next steps, and reframe your position with the insurer.

Contact Vishio Watkins and Forry Today

When you are trying to repair your home, restore your business, or simply get back to normal, a delayed or denied claim can make a hard situation worse. We’ve seen how high winds can devastate lives and how insurers often add insult to injury by minimizing or denying valid claims.

If your claim has stalled or if you are just beginning the process and want experienced legal oversight from the outset, we are ready to step in.

Contact Vishio Watkins Forry today to discuss your wind damage insurance claim. A qualified wind damage lawyer will review where your claim stands and what your policy may entitle you to recover.