- Slide 1
- Jason A. Coffin, CFEI, CVFIOCIFire.com Marcus O. Durham, PhD,
PEThewayCorp.com Robert A. Durham, PhD, PEThewayCorp.com
- Slide 2
- House Damage was it caused by ? Tornado Wind Water Age
Maintenance When evaluating loss Must make that determination
- Slide 3
- Look at a series of photos What are key elements to determine
cause of damage
- Slide 4
- Brick Joints Highly susceptible To damage by tornado To
shifting foundation
- Slide 5
- Collateral Damage Water can infiltrate damaged structure Create
ideal environment for mold growth Must determine if mold existed
before
- Slide 6
- Typical Damage around Windows Wind energy trying to escape
Generally pushes window out Due to how windows mounted
- Slide 7
- Drywall damage between floor 1 & 2 On first floor Opposite
side from wind attack Wind venter through soffit
- Slide 8
- Drywall Damage Roof structure lifted Separate from
foundation
- Slide 9
- Structure Damage Corner removed by winds
- Slide 10
- Roof Structure Damage Roof, interior walls, sheetrock Removed
from portion of house
- Slide 11
- Garage Door First item removed Large area, no structural
strength Straight winds t hen penetrate structure
- Slide 12
- Garage Door Opposite Side Force of wind Physically rip brick
& ties from house
- Slide 13
- Crack in Wall Not just in mortar joints Bricks break due to
wall movement Contrast with foundation settling
- Slide 14
- Movement from Foundation Separate from first course of brick
House picked up and set back down Barbed wire between courses
- Slide 15
- Electrical Wire Retainer Far portion held up by electrical
wiring to electrical panel Pulled all wiring in structure
Necessitated rewire of house
- Slide 16
- More Drywall Cracks Caused by tornado Or was it previous
foundation problems?
- Slide 17
- Flying Debris Inside Not all damage by stuff breaking Rain
water, mud, projectiles
- Slide 18
- Catastrophic failure takes more than one element Garage door
removed Exterior wall shifted Joist lost perch & roof structure
failed Dominos ?
- Slide 19
- Another Forced Event
- Slide 20
- Partial Underground Not immune to severe structural damage
Required demolition
- Slide 21
- Impact from Debris Interior wall Flying from neighbors
debris
- Slide 22
- Basement Structural Wall Force sandwiched mortar Compromised
structure Severe water penetration
- Slide 23
- Between Floor Joists Located underground Force twisted joists
Separated nails
- Slide 24
- Only House in Area w/ Any Damage Missing portion of roof
Suspect poor framing on connection to main structure
- Slide 25
- Damage besides structural Only roof heavily damaged Water
intrusion required new sheetrock, insulation, HVAC, electrical
- Slide 26
- Roof Structure Lifted All soffit trim failed to meet Sign of
probable framing damage
- Slide 27
- Repairable Typical repairable structure
- Slide 28
- Pulled out Nails in Attic Result in caving in of roof
structure
- Slide 29
- Not All Damage Is Tornado Previous tuck point repair on
structure Pay for tornado damage repairs not previous
problems.
- Slide 30
- Not All Damage Is Tornado Previous repair attempt on
drywall
- Slide 31
- Damage Interior Only Outside walls undamaged
- Slide 32
- Roof Structure Damage Split roof support Pull nails most common
type of repairable damage
- Slide 33
- Unpredictable Damaged vehicle Damaged house in foreground
Undamaged house in distance
- Slide 34
- Recap Tornado damage unpredictable Collateral damage is often
most expense Water roof leak Water foundation leak Not all damage
is due to tornado
- Slide 35
- Questions?