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Wind damage/loss of structural integrityFrom: kady125mc@cox.net
Category: Structural
Remote Name: 68.10.225.102
Date: 26 Jan 2004
Time: 12:43 AM
CommentsOur home was damaged during Hurricane Isabel. The insurance company insists that our home is "settling" and continues to deny our claim. An architect inspected the property and found several cracked rafters in our upper third attic. After a complete inspection of our entire home, he stated that our tri-level home was "twisted" by the 75 mph winds. Several days after the hurricane, our home began to crack. Now the ceilings in all three levels have begun to pull away (up) from the walls. The third level is the worst. The paint under the ceiling trim seems to have separated from the trim in a "twisting" pattern. I have walls separating in the lower section of the home. The load bearing walls under my stairs have diagonal cracking. My wood floors are separating. All of the floors in my home are level. The exterior walls, although cracking, are level. My kitchen cabinets have separated from the walls. The list goes on and on. Both the Architect and the FEMA inspector, who was a contractor from Florida, stated that each and every crack in the interior and exterier of my home was brand new, that my home was not settling, and that the house was "twisted." Both individuals, along with a second FEMA inspector, stated that my foundation was absolutely fine. Please note that we did not flood or have any type of standing water issue during the hurricane. The insurance company sent out an engineer who, after eight weeks issued his report stating that the damage was not associated with the hurricane and that the home was settling. It is interesting to note that the engineer did not even look under the raised foundation area of my home. He failed and refused to go into the lower two attics, and just stuck his head into the trap door opening in the upper third attic. He inspected and took pictures from this position. Have you, or anyone else, ever heard of this type of situation. We continue our arguments with the insurance company. Any information would be greatly appreciated.
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