Hurricane Damage Resources for Adjusters

2016 was the busiest Atlantic hurricane season in the past four years and served as a reminder of how devastating hurricane damage can be. Last year, there were 15 named storms in the Atlantic basin, and 2 hurricanes made landfall in the United States, which was above the annual average of 11.7 named storms and 1.7 landfalling hurricanes in the US (NOAA). The two hurricanes that made landfall in the US last year, Hermine and Matthew, caused over $7 billion in property damage and an estimated $3.5 billion in insured losses (III).

The risk of hurricane damage is ever increasing, as the population of the US coastline continuously grows. According to CoreLogic’s 2017 Storm Surge Report, there are currently over 800,000 US residential properties at extreme risk (would be affected by a Category 1-5 hurricane) for storm surge damage. The report also estimates that there are over 20 million homes currently at risk for storm surge from a category 5 hurricane.

Hurricane Damage - Tree

Hurricanes bring many destructive forces that can cause extensive property damage. The majority of the claimed hurricane damage to HVAC systems is due to wind, water, and lightning/surge. To help prepare you for any tropical storm or hurricane damage claims that come your way this season, we’ve put together a toolkit designed for adjusters, like you, with resources on the three main hurricane damage types.

Hurricane Damage: High Wind Speed

One of the most disastrous factors of a hurricane is the high wind speed. According to the NOAA, over half of landfalling hurricanes produce at least one tornado. High wind and tornadoes can be particularly devastating to an HVAC system with an outdoor condensing unit. From least to most severe, here are the four most common damages as a result of high wind or tornadoes:

  1. Windblown dust and debris can clog the condenser coil and restrict air flow.
  2. Larger windblown debris can dent the malleable aluminum fins of the condenser coil.
  3. Large objects can crush the condensing unit.
  4. High winds can blow the unit askew or knock it completely over.

Hurricane Damage - Wind

Hurricane Damage: Storm Surge, Torrential Rains, and Flooding

Damage from water and flooding can cause widespread destruction during a hurricane. Not only are areas on the coast at risk from storm surge, but heavy rains can lead to flooding in inland areas as well. Hurricane Matthew brought devastating flooding to towns as far as 100 miles inland and caused an estimated $1.5 billion in damages (CBS News). There are two typical scenarios where water damage will impact an HVAC system following a hurricane:

  1. Flood waters rise surrounding the outdoor condensing unit or the air handler/furnace in the crawlspace or basement
  2. Wind driven rain enters the premises following damage to the roof and damages the air handler/furnace in the attic

Hurricane Damage - Tree

Hurricane Damage: Lightning and Power Surge

Hurricanes begin as a cluster of thunderstorms over the ocean, and with the help of wind convergence, these storms form into a hurricane (NASA). The most destructive part of a hurricane is the eye wall, which is comprised of a ring of tall thunderstorms. These thunderstorms can lead to widespread lightning damage as the hurricane makes landfall. Additionally, the high winds of a hurricane can knock down power lines, which can result in surge damage to homes and businesses.

The electrical components of an HVAC system are particularly susceptible to damages from surge and lightning. In fact, 32% of systems that we assessed following Hurricane Matthew were damaged by a surge or lightning event.

Hurricane Damage - Wind

NASA anticipates that both the frequency and intensity of hurricanes will increase as the earth’s oceans temperatures warm. While current NOAA predictions for the 2017 Atlantic hurricane season are less severe than what occurred during the last year, they are nevertheless forecasting an above average year with 11-12 named storms, 5-9 hurricanes, and 2-4 major hurricanes. These forecasts remind us that it is important  to arm ourselves with the necessary tools and education to be prepared for these ever-present catastrophic losses.

HVAC Compressor Damage: Lightning or Wear & Tear

The following article on “HVAC Compressor Damage: Lightning or Wear & Tear”, written by Matt Livingston of HVAC Investigators, originally appeared in the Technical Notebook Column of the July 2017 issue of Claims Magazine and was also featured on Property Casualty 360

Compressor Damage - compressor windings illustration

In the summer months, when severe weather is most prevalent, property carriers see an increase in claims for lightning damage to HVAC equipment, and most often to the compressor. While lightning damage does frequently occur this time of year, HVAC compressor damage due to lightning is commonly misdiagnosed. More often than not, an HVAC claim that is originally reported as damaged by lightning is ultimately found to have suffered damage due to some other cause of loss.


No matter the time of year, one of the most common culprits of compressor failure is mechanical damage due to age-related wear and tear. In fact, nearly 43% of all compressors (regardless of how the damage is initially reported) fail due to this cause of loss.

HVAC Compressor Function

Regardless of application (refrigeration or HVAC) or building type (residential or commercial), the primary purpose of a compressor is to draw low-pressure refrigerant vapor from the evaporator, compress that vapor, and prepare the refrigerant for heat removal in the condenser. Residential compressors typically operate on single phase alternating current (AC), and thus require a capacitor to assist in both starting and running the compressor while energized.

Considered the “heart” of the HVAC system, the compressor is not only critical to proper system function, but can often be impossible to repair and expensive to replace. Moreover, without understanding the root cause of compressor failure, the simple act of replacing this component may not ultimately resolve the overarching issue. When handling HVAC claims, it is critical to understand what caused the compressor to fail before agreeing on a scope of repair for settlement.

Compressor damage from a dirty evaporator coil

Dirty evaporator coil caused mechanical damage to the compressor

Mechanical Damages

A major cause of damage to a compressor is mechanical failure, and a major contributing factor is a lack of system maintenance, such as not changing the indoor air filters or allowing dirt and debris to build up on the outdoor condenser or indoor evaporator coils. Such negligence can lead to excessive stress on the compressor, and may cause it to overheat and “burn out” prematurely.

Another reason for mechanical failure is improperly sized equipment or failure to follow system repair best practices. An oversized metering device (commonly called a Thermostatic Expansion Device or TXV) at the evaporator coil may allow more refrigerant to enter the evaporator than can be vaporized, causing a floodback of refrigerant to the compressor, wearing out the compressor’s bearing surfaces and accelerating its failure.

If the refrigeration line is breached (intentionally or as a result of a leak), great care must be taken in performing system repairs. If the filter-drier is not replaced, and proper steps are not taken to evacuate and purge the refrigeration system, moisture or contaminants may create acid in the system, possibly leading to premature compressor failure.

Compressor damage - windings illustration

Electrical Damages

Like traditional single-phase motors, single-phase compressors contain both “start” and “run” windings, which are a series of copper wires wound around the stator, and which cause the motor to turn when energized by electricity. As the names imply, the start winding is engaged to start the compressor, while the run winding is in use for the duration of compressor operation.

The continuity of these windings is critical to compressor operation, and can be tested using an ohmmeter to determine the health of each. Common winding damage includes “open windings” or “shorted windings.” Open windings indicate that there is a break in the windings, while shorted windings indicate that the two windings are either making contact with one another or with the shell of the compressor itself. Either type of winding damage can be caused by a voltage imbalance or by mechanical failure…neither of these circumstances alone indicates lightning or wear and tear.

If a singularity of overvoltage occurs from a lightning or power surge event and causes a break in one or both windings, typically other components (such as the fan motor or capacitor) are also damaged. If open windings are found and the compressor is the only electrical component damaged, this is likely the result of a mechanical failure that caused the compressor to overheat.

Although technically an electrical failure, the genesis of shorted windings can often be traced back to mechanical issues with the compressor. The insulation of the windings can become compromised by excess heat, vibration, or contaminants and cause the windings to make contact with one another (shorted) or with the compressor shell (shorted to ground).

Compressor windings can also become shorted by lightning. This is more commonly observed in older compressors, where even small increases in voltage can cause significant damage to winding insulation and lead to shorts. Again, in these cases, the compressor will likely not be the only component damaged since the event will have also affected other electrical components.

Compressor damage - ohm meter indicating open windings

An ohmmeter indicating that the windings of the compressor are open

There is no single defining “symptom” that can indicate with absolute certainty whether an HVAC compressor was damaged by lightning, a high-voltage surge, or simply by age-related wear and tear. Only by gathering all the evidence (visual, measured and corroborative), can we accurately determine what caused the loss and the best course of action that should be pursued to return the system to pre-loss condition.