When the Winds Hit Hard, We’re Here to Help
Storms in California may not come often, but when they do, they can cause serious damage. High winds, falling trees, and wind-driven rain can leave homes exposed, roofs torn apart, and interiors flooded. And yet, storm and wind claims are frequently minimized or denied by insurance companies, especially when damage appears subtle or is blamed on pre-existing issues.
At Chris Faber Public Adjusters, we represent homeowners, landlords, and business owners across California after severe wind or storm events. With over 50 years of combined experience, Chris and Jo Faber know how to uncover the full extent of the damage and fight for the coverage you’re owed. From roof claims to water intrusion and structural instability, we handle storm claims thoroughly and personally.
What Counts as Storm or Wind Damage?
Wind damage often affects more than what’s immediately visible. Roofing, siding, and exterior materials may shift or fail, allowing water to enter and cause damage to walls, flooring, and contents inside.
Common damage signs include:
Even small leaks or displaced materials may signal larger structural or water-related issues.
Who We Help
We assist California property owners facing storm-related losses of all sizes. Whether your roof gave way during a windstorm or your walls were soaked from wind-driven rain, we help you build a strong, well-documented claim.
Homeowners
We help document storm-related damage to your roof, walls, and personal property. If your home is unsafe or exposed, we assist in securing emergency coverage and additional living expenses.
Business Owners
Wind damage can halt operations and threaten safety. We help business owners document damage, calculate losses, and pursue coverage for both property damage and lost income.
Landlords
Storms can damage roofs, fencing, and HVAC systems that affect tenant safety and habitability. We help ensure all damage is fully documented and habitability standards are met.
Did you Know: Many storm-related policies require damage to result from a “covered opening,” such as a wind-torn roof or shattered window, before interior water damage will be approved. We help you prove the source and sequence of damage so your claim isn’t unfairly denied.
Where Insurance Companies Fall Short on Storm Damage Claims
Storm damage claims often involve gray areas in policy language and inspections. Insurance companies frequently:
Deny Interior Damage Without “Visible Entry”
Insurers may argue that water intrusion isn’t covered if they don’t see an opening. We gather expert documentation to connect wind damage with water entry.
Undervalue Roofing Claims
Insurance adjusters may offer patchwork repairs when a full roof replacement is needed. We bring in roofing experts to support a fair scope of work.
Ignore Hidden Water Damage
Water that enters behind walls or under flooring may be missed in initial inspections. We investigate thoroughly to prevent long-term mold and rot from being ignored.
Blame Maintenance or Preexisting Wear
Wind damage is sometimes blamed on old materials. We document what’s new, what’s storm-related, and what qualifies as sudden loss.
Did you Know: Even if your home wasn’t flooded, wind-driven rain can cause covered damage to insulation, drywall, and flooring. Don’t assume a small leak means a small claim. We can help you uncover the full scope.
How We Help With Storm and Wind Damage Claims
Whether your property took a direct hit or suffered hidden damage during a storm, we manage your claim from start to finish:
Full Damage Assessment and Documentation
We inspect your property thoroughly, documenting all wind and water damage with clear photos, expert reports, and itemized loss lists.
Policy Review and Coverage Explanation
Storm policies are often complex and filled with exclusions. We review your policy in detail so you understand what’s covered and how to make the most of it.
Claim Filing and Negotiation
We handle all communication with your insurance company, including filing, inspections, and settlement negotiations. You’ll never have to argue with an adjuster alone.
Additional Living Expenses and Emergency Repairs
If your home is unlivable after a storm, we help secure coverage for hotel stays, temporary housing, and necessary emergency repairs to keep you safe.
Real Support from Real People: How We Handle Storm Claims
Every storm and wind claim we handle is personally managed by Chris and Jo Faber. You won’t be passed around or left guessing. We bring decades of combined experience, a deep understanding of policy language, and a hands-on approach to every case. When the weather turns your world upside down, we’re here to help you steady the ground and move forward with confidence.
After the Storm: What You Can Do to Strengthen Your Claim
If your property was damaged in a recent storm or wind event, these steps can help protect your rights and strengthen your claim:
1. Photograph All Damage, Inside and Out
Take clear photos of missing shingles, roof impact areas, interior water stains, and damaged possessions. Early documentation is key.
2. Secure the Property but Don’t Repair Yet
Protect your home from further damage, but avoid permanent repairs until your claim is documented. Temporary tarps or board-ups are usually covered.
3. Request a Full Copy of Your Policy
Knowing what your policy says, especially around exclusions and storm coverage, is essential. We can help break it down for you.
4. Track Emergency Expenses
Save receipts for hotels, food, and temporary rentals if your home became unsafe. These may be reimbursable under Additional Living Expenses (ALE).
5. Watch for Delayed Leaks or Damage
Some storm-related problems don’t show up until days later. Report all new issues right away and continue documenting them.
6. Avoid Quick Settlements
If an adjuster pushes you to sign off quickly, be cautious. Fast offers may miss hidden water or structural issues that worsen over time.
Did you Know: Wind damage can weaken your roof even without full shingle loss. We work with roofing specialists who can confirm if your system is compromised and make sure your insurance company doesn’t overlook it.
Don’t Wait for the Next Storm to Take Action
Storms may pass quickly, but the damage they leave behind can linger, and so can the insurance battles. Chris and Jo Faber help ensure your storm or wind damage claim is properly filed, fully documented, and fairly paid. If you’re unsure where to start or frustrated with delays, we’re ready to help.
Contact Us for a Free ReviewFAQs
Most homeowner and commercial policies cover storm damage, but the language can be tricky. Coverage often depends on whether the damage came from wind, rain, or another source. We review your policy to clarify what’s covered and help you avoid common pitfalls.
This is a common denial tactic. We gather evidence to show when the damage occurred, how it relates to the storm, and why it qualifies as a new, covered loss.
Yes. Even small leaks or a few missing shingles can point to larger problems. Minor damage often leads to major repairs down the road. We help ensure you don’t miss hidden losses.
Document everything with photos, contact emergency services if needed, and avoid permanent repairs until your insurance company has documented the damage. We’ll handle the claim from there.
Most policies require prompt notice, but the timeline varies. Some allow up to one year, while others set shorter deadlines. We help you act fast and avoid missing critical time windows
Yes. If your policy includes Additional Living Expenses (ALE), you may be entitled to hotel stays, meals, and temporary housing. We help document these costs so you’re reimbursed fairly.
