Hurricane Damage: Wind vs. Water Determination

This course has been discontinued.

In many areas, the insurance industry offers expensive insurance against damage by wind and separate expensive insurance against damage from flooding (FEMA offers inexpensive insurance against flood damage).  When a person purchases a home, the mortgage company invariably wants its investment covered by a homeowner''s policy.  A typical homeowner''s policy includes insurance for damage done by wind; however, as the typical home is not imperiled by flooding, a policy does not include insurance from damage due to flood waters.

Thus the problem faced by the inspector when a hurricane hits.  Was the damage caused by the wind or the water?  The author of this course spent 15 months covering the damage caused by hurricanes Katrina and Rita in the Gulf and created this 1-hour online course to educate those who are in that predicament due to the loss of their home or business, and those who are providing assistance to the insurance companies. This course takes a look at three specific scenarios of structure damage from the 2005 Gulf Hurricanes and provides numerous photographic examples.