Category 4 Hurricane: What Are the Most Typical Forms of Property Damage?

What characteristics define a Category 4 hurricane? According to the NHC’s website, catastrophic damage is anticipated. Even solidly framed homes can be severely damaged when the roof and several walls are lost. Most trees will be shattered or uprooted, and power lines will be destroyed. Fallen trees and power lines will cut off communities. Power outages may last several weeks. Most of the sites will be inoperable for weeks or months.

What type of property damage is most likely to occur during a hurricane?

The types of property damage that can occur in a hurricane are listed below.


Hurricanes with a category 4 rating have wind speeds that range from 130 to 156 miles per hour, which is more than enough to tear off even the most sturdy roofs. Experts from companies like agree that the insurance company’s decision to pay for the failure is influenced by a number of factors. How far has this roof aged? Have previous repairs been performed? Was it in need of repair, or was it in good condition? And, perhaps most importantly, what kind of security did you purchase? Standard insurance policies will usually cover the cost of restoring a roof to its pre-hurricane condition if it is relatively new and in good condition. Some will even cover the cost of a new roof if the old one is severely damaged.


Damage to walls, flooring, and furnishings can result from heavy rains and flying debris entering homes through broken roofs, windows, and doors. Is there another issue on the inside? Mold is multiplying! According to Plantation restoration experts, mold damage is common after hurricanes, but most insurance policies have coverage limits for this issue.



The water and power surges brought by frequent hurricanes can damage a wide range of equipment. Fire can cause damage to electrical equipment, transformers, generators, air conditioning systems, electronic data processing, computer equipment, and telephone systems.

Public Utilities

Constructions outside of the hurricane’s direct path are also vulnerable. These windstorms may disrupt power, phone lines, and water supply for days after they make landfall. Insurance claims may be necessary for residents and business owners within a 600-mile radius.

How to proceed if your property has been damaged?

When your property is damaged, you can file a claim with your insurance company or a third party to help pay for repairs, replacement, and other related disaster cleanup expenses. Unfortunately, some insurance companies will not send over cash unless the process is made difficult. 


They can perform a variety of tricks. They could try to make you feel responsible for your losses, convince you to accept a lowball offer by denying or disputing your claims or drag their time, among other strategies. Alternatively, they could try to make you feel as though you are responsible for your losses.

To summarize

Take detailed pictures of hurricane damage to your home or property before contacting your insurance company. If you believe your insurance company has denied your claim in bad faith, consulting with a lawyer may help you decide what steps to take next.