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Was My House Damage By a tornado ?

Was My House Damage By a tornado ?. Jason A. Coffin, CFEI, CVFI OCIFire.com Marcus O. Durham, PhD, PE ThewayCorp.com Robert A. Durham, PhD, PE ThewayCorp.com. House Damage was it caused by ?. Tornado Wind Water Age Maintenance When evaluating loss Must make that determination.

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Was My House Damage By a tornado ?

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  1. Was My House DamageBy a tornado ? Jason A. Coffin, CFEI, CVFI OCIFire.com Marcus O. Durham, PhD, PE ThewayCorp.com Robert A. Durham, PhD, PE ThewayCorp.com

  2. House Damagewas it caused by ? • Tornado • Wind • Water • Age • Maintenance When evaluating loss Must make that determination

  3. Look at a series of photos • What are key elementsto determine cause of damage

  4. Brick Joints • Highly susceptible • To damage by tornado • To shifting foundation

  5. Collateral Damage • Water can infiltrate damaged structure • Create ideal environment for mold growth • Must determine if mold existed before

  6. Typical Damage around Windows • Wind energy trying to escape • Generally pushes window out • Due to how windows mounted

  7. Drywall damage between floor 1 & 2 • On first floor • Opposite side from wind attack • Wind venter through soffit

  8. Drywall Damage • Roof structure lifted • Separate from foundation

  9. Structure Damage • Corner removed by winds

  10. Roof Structure Damage • Roof, interior walls, sheetrock • Removed from portionof house

  11. Garage Door • First item removed • Large area, no structural strength • Straight winds then penetrate structure

  12. Garage Door Opposite Side • Force of wind • Physically rip brick & tiesfrom house

  13. Crack in Wall • Not just in mortar joints • Bricks break due to wall movement • Contrast with foundation settling

  14. Movement from Foundation • Separate from first course of brick • House picked up and set back down • Barbed wire between courses

  15. Electrical Wire Retainer • Far portion held up by electrical wiringto electrical panel • Pulled all wiring in structure • Necessitated rewire of house

  16. More Drywall Cracks • Caused by tornado • Or was it previous foundation problems?

  17. Flying Debris Inside • Not all damage by stuff breaking • Rain water, mud, projectiles

  18. Catastrophic failuretakes more than one element • Garage door removed • Exterior wall shifted • Joist lost perch & roof structure failed • Dominos ?

  19. Another Forced Event

  20. Partial Underground • Not immune to severe structural damage • Required demolition

  21. Impact from Debris • Interior wall • Flying from neighbor’s debris

  22. Basement Structural Wall • Force sandwiched mortar • Compromised structure • Severe water penetration

  23. Between Floor Joists • Located underground • Force twisted joists • Separated nails

  24. Only House in Areaw/ Any Damage • Missing portion of roof • Suspect poor framing on connectionto main structure

  25. Damage besides structural • Only roof heavily damaged • Water intrusion required newsheetrock, insulation, HVAC, electrical

  26. Roof Structure Lifted • All soffit trim failed to meet • Sign of probable framing damage

  27. Repairable • Typical repairable structure

  28. Pulled out Nails in Attic • Result in caving in of roof structure

  29. Not All Damage Is Tornado • Previous tuck point repair on structure • Pay for tornado damage repairsnot previous problems.

  30. Not All Damage Is Tornado • Previous repair attempt on drywall

  31. Damage Interior Only • Outside walls undamaged

  32. Roof Structure Damage • Split roof support • Pull nails most common type of repairable damage

  33. Unpredictable • Damaged vehicle • Damaged house in foreground • Undamaged house in distance

  34. Recap • Tornado damage unpredictable • Collateral damage is often most expense • Water roof leak • Water foundation leak • Not all damage is due to tornado

  35. Questions?

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