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Home / Insurance / Arizona Monsoon Season Thunders Over Grand Canyon State | Real estate insurance coverage law blog

Arizona Monsoon Season Thunders Over Grand Canyon State | Real estate insurance coverage law blog



While many Arizona people welcome monsoons that provide relief from the summer heat, these summer thunderstorms threaten severe property damage along its way.

Like many other states in the United States, Arizona has seen unusually active and severe weather during the second half of this year. The monsoon season began early and with quite anger, and the introduction of moisture and hot summer days has led to many days where major hail, damaging winds, floods and even tornadoes have occurred. Merlin Law Group's attorneys often retain certified consulting meteorologists to provide research and reports on wind, hail, and other property damage. A Certified Consulting Meteorologist is an experienced and trained weather expert who has the tools and resources to provide detailed and reliable weather data and written expert reports. The information and reports they provide explain how big the hail was, how strong the wind was or how much rain was collected at a specific address. This type of information is much more useful than relying on automatic hail reports or a NOAA storm report many miles from the property.

The Doppler radar image below, taken in the late evening of July 9, 2021

, shows two severe thunderstorm warnings in fact where the yellow polygons are located. 1 The warning on the underside of the screen is for heavy thunderstorms with heavy rain, heavy hail and strong gusts of 58 mph or higher. What's more interesting is the warm thunderstorms further north over Phoenix. This severe thunderstorm was issued for a thunderstorm that had no rain at all. Doppler radar, however, detected strong winds over 58 km / h in and around the city of Phoenix in connection with an intense wind gust that ran west from an old thunderstorm. 2

Many professionals may not have known that there was a lot of wind with this "windstorm", but since accurate and reliable information is crucial to the outcome of the case, Merlin Law Group uses the best weather resources , consultants and experts to resolve your claims. In addition, with the monsoon season still in full swing, Arizona insureds should be aware of the common dangers associated with these summer storms.

Hail

The Grand Canyon State experienced an influx of hail events during the months of June and July. For example, an estimated 956 homes in Arizona were affected by golf-sized ping pong balls on July 9, 2021. On July 11, 2021, an estimated 6,199 homes were affected by golf balls to hail in tennis balls, with winds up to 70 miles per hour. 3 Hail of this size in combination with strong winds can lead to devastating property damage to homes and businesses.

Several factors affect the degree of damage caused by hail, such as wind speed / direction, hail size and density, roof type / condition and the location of adjacent structures / landscape architecture. 4 Even hail less than an inch can cause damage to your roof and other parts of your property. 5 Hail damage to roofs can occur in the following forms: loss of granules, cracks in shingles, exposure and cracking of the fiberglass mat and weakening of the self-sealing strip. 6 Hail damage to your property's roof can only look like cosmetic; Depending on these factors, however, the damage can be large enough to penetrate your property's roof system, resulting in internal water damage. 7

Arizona contractor Geo Roofing recommends that property owners be aware of the following signs of possible hail damage: 8

  • Mineral granules are washed away from shingles in gutters.
  • Impact craters on vehicles and other visible areas on the property.
  • Dents and damage to gutters and HVAC units. [19659012] Wind

    In addition to hail, Arizona experienced powerful wind events during the summer months. Wind speeds up to 91 km / h were reported on July 10, 2021 in the cities of Tucson, Chandler and Sun Lakes, Arizona. 9

    Similar hail, strong winds can result in roof leaks and other catastrophic roof damage. 10 Examples of wind damage to the roof system include:

    • Shingles are missing: Strong winds can pull up shingles and remove them from the roof structure.
    • Lost single granules: Like hail, windstorms can wither from granules, an integral part of shingles that protects the roof from ultraviolet rays.
    • Shingles and curling: Strong winds can cause the roof shingles to lift and curl, making the roof prone to water leaks.
    • Roof leaks: The detection of internal water leakage in the attic or in the roof may indicate penetration through the roof. 11

    Contact a professional roofer to perform an inspection if you notify any of these signs.

    Flood of lightning

    The heavy rains from the monsoons resulted in floods, especially in the areas affected by the recent forest fires. Forest fires change the landscape in ways that increase the runoff of water and mud in the burned areas. A forest that is burning with fires becomes unstable and cannot hold water, collects downstream, which often leads to floods. 12 Arizona declared a state of emergency in mid-July after floods wiped out roads and resulted in a death.

    Most homeowners' policies do not cover flood damage. Insured persons must have flood insurance from the National Flood Insurance Program (NFIP). 13 Water damage to the inside of your property from rain or snow may not be covered by your insurance unless the water enters through a damaged roof or wall. 14 In addition, most insurance policies exclude mold caused by water damage. 15

    It is important for Arizona policyholders to learn about their flood risk, and if necessary, purchase flood insurance to ensure protection against this costly disaster. 16

    Tips for Leaving a Claim

    If your property was damaged as a result of these summer storms, the Arizona Department of Insurance (“AZDOI”) recommends the following tips: 17

    • Create a home or business inventory with details of all personal belongings and related property documents ( eg receipts, photos) for support requirements for va Loose objects.
    • Request a copy of your insurance and ID card if needed.
    • Document any damage by taking photographs or videos of your property.
    • Contact your insurance company before performing repairs, cleaning, and replacement or disposal of property.
    • Take Measures to Prevent Further Damage: If emergency repairs are required, ask your insurance company what type of documentation they need.
    • Record what was cleaned by taking photos and videos of the damage and any emergency repairs / remedies.

    For more information on Arizona monsoons, check out AZDOI Storm Resources: https://insurance.az.gov/insurance-and-storms-or-disasters.
    _______________________________________
    1 With permission from forensic weather consultants. https://weatherconsultants.com/
    2phia19459006] Courtesy of forensic weather consultants. https://weatherconsultants.com/
    3 Courtesy of HailTrace. https://hailtrace.com/phia19659033]: //www.superstormrestoration.com/blog/what-the-hail
    6 Id.
    7 https://www.georoofingaz.com/hail-damage-roof -scottsdale /
    8 Id.
    9 Courtesy of HailTrace. https://hailtrace.com/
    10 https://restorbuilders.com/wind-damage-roof/ [19659033] 11
    https://www.americaroofingco.com/4-signs- of-wind-damage-on-your-roof-2 /
    12 https://insurance.az.gov/sites/default/files/documents/files/DEMA_PR_re_flooding_after_fires_0_0.pdf [19659033] 13 ] https://insurance.az.gov/sites/default/files/documents/files/Insurance%20and%20Storms%20Or%20Disasters.pdf
    14 id [196459015]] 1966533] 15 [19659036]] Id.
    16 Id.
    17 https://insurance.az.gov/sites/default/files/documents/files/Making_Repairs_After_a_Disaster%20April%202015 .pdf


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