Adjustment Issues - Is it Wind or Water?

When handling any type of flood claim, it is very important to know if the damage is the result of wind or water.

The Claims Manual provides important guidance for effective communication of the wind versus water distinction in your Narrative Reports and other documentation.

FEMA encourages adjusters to use all Wind/Water Investigative Tips and proven investigative methods while handling these types of claims. A few of these tips include:

  • Research local newspapers, local weather service, etc.
  • Check highest wind speeds, barometric pressure, amount of rainfall
  • Check tidal heights, storm surge heights
  • Canvas the neighborhood for eyewitnesses, not hearsay or opinion
It might be necessary to recommend the use of an engineer to help make the determination.