This is a photo of a window frame that was damaged when the hurricane winds blew the plywood emergency window coverings off of the home.
The property owner lived out of town and was not certain that the hurricane was going to affect his home. By the time he realized the path of the hurricane had changed and it would affect his home he did not have much time. He immediately drove in from out of town and installed the plywood as best he could even as the high winds were already beginning to affect the home.
In addition to the already high winds, the insured was not a contractor and did not have the tools readily available to do this job in a professional manner.
The insurance screwed full 4’ x 8’ sheets of plywood through the window frames in about 4 spots (top, bottom, left & right). As I mentioned above the insured did not have the luxury of time nor the tools to cut the plywood to fit the window openings and so the plywood overlapped the windows horizontally and in some cases the plywood did not vertically cover the entire window and so there were small gaps at the top and bottoms.
As you may have already surmised, the 11 windows that he covered in this manner had the plywood completely ripped off of them by the high winds. Subsequently, the 4 to 6 screws that held the plywood in place were also ripped out of the aluminum window frames. This caused the “Volcano” like appearance of the screw holes that are illustrated in the attached photograph.
Please also note that all of the windows were seated in stucco on the exteriors and in textured drywall on the interiors and so when the windows are replaced those areas would also be affected.
There were very little other storm damages to the home and so except for this the claim would have been under the deductible. My estimate of repairs included the replacement of all of the windows, the repairs to the exterior stucco and the interior drywall, texture and paint and came to around 30K as much of the interior was continuous to other parts of the interior.
My question to the group is:
In your opinions would there be coverage for this since it was done by the property owner in an effort to mitigate damages. Also, if it would have been done instead by a very rushed professional contractor would there have been coverage?
Have any of you experienced similar events?