RE: Fogged Windows
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RE: Fogged Windows - 8/18/2006 12:17:17 PM
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JGardner
Posts: 325
Joined: 2/28/2005
Home base: Daphne, AL
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A few items to look for and report on in seal failure cases:
- Are some of the damaged windows in areas that were protected from the direct force of the wind?
- How many windows were damaged? Just one?
- Is there mold or water calcification inside of the window; a good sign that the seal has been ruptured for a long time.
- Does the window appear to be properly installed?
- Are there settlement cracks at the corners?
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Jud
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RE: Fogged Windows - 8/18/2006 12:47:22 PM
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Darryl
Posts: 132
Joined: 4/19/2004
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I don't know, sounds like you want someone to be an adjuster not an appraiser.
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RE: Fogged Windows - 8/18/2006 1:56:10 PM
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ranger
Posts: 186
Joined: 11/20/2004
Home base: Bonham, Texas
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Judson, the only question I would add to your list is asking the policyholder "What is the age of the windows"? The newer double pane windows come with a guarantee and the seal could have failed due to age and not the storm.
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RE: Fogged Windows - 8/18/2006 2:47:39 PM
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JGardner
Posts: 325
Joined: 2/28/2005
Home base: Daphne, AL
Status: offline
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Hence my disclaimer, "a few items". So, good suggestion, John, as it will be the age of those windows that can determine the potential strength and boundary of the manufacterer's warranty.
Any other issues that us pro-seal failure folks can think of while we nurse the wounds in our feet and wonder when we'll ever go back to work :)?
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Jud
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RE: Fogged Windows - 8/18/2006 4:02:59 PM
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Darryl
Posts: 132
Joined: 4/19/2004
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I was reading the post with the link to Jeld Wen Windows and see that they list 7 common causes for seal failure. They don't give any info on how to distinguish one cause from the other. It does give some other things to have a conversation with the insured, such as how often are the windows cleaned and by what method, any settling recently noticed (we would also check this for signs), what does the elevation face (an area where it would get constant water spray), etc. It then begs the question that does high wind loads that cause the glass to flex, which CAN then weaken the seal and lead to failure fit the definition of sudden and accidental and is it then the proximate cause of the damage. I can truthfully say I have paid for some and have denied more than some. It is usually after a thorough investigation with the facts then applied to the guidance given by the carrier we are working for. As we know for building coverage, the burden of finding an exclusion is on the adjuster (carrier) as it is normall all-risk (I don't like that term as it really isn't but it a common vernacular for the coverage). Its covered unless its excluded, assuming covered property, covered peril. Short of an engineer's report (and we all know what that's worth) I don't know how we can come up with a definite.
Good topic for discussion and points of view with the final decision being that of the carrier as he will have to defend it.
I saved the site for further use and reference, thanks.
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RE: Fogged Windows - 8/21/2006 9:04:16 PM
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Catbarn
Posts: 1
Joined: 7/19/2006
Status: offline
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I agree. Good topic, and links to research that I can use. After hearing the story from someone who sat out the storm, and had to stand against the window which was bowed in the wind to put pressure on it to keep the glass from breaking, it seemed likely the cause of seal breakage was the wind from the storm. Would never have dreamed the broken seals would not have been covered as wind damage... I stand corrected for future events.
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