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