Vehicle impact damage to building may cause serious structural and cosmetic damage. The extent of damage caused by vehicle impact may need to be determined by a licensed contractor or a structural engineer. Evaluating the safety and integrity of the building by a licensed contractor or a structural engineer after vehicle impact damage is important may allow for determination if this building is safe to be used or an evacuation is needed.
The building owner may have an option of filing a claim with the insurance company of the vehicle owner that caused the damage. However, in case of a hit and run or in case of insufficient coverage of vehicle owner’s insurance, the building owner may file a claim with their dwelling/building insurance for vehicle impact to building. In some occasions, the cost of repairs for vehicle impact damage to building may be shared between the vehicle owner’s insurance and building owner’s insurance. The vehicle impact damage to building is common in the areas where there is high vehicle traffic. Most buildings in California have a wood frame structure that are not designed to withstand vehicle impact damage. Some buildings that are located in high traffic areas install additional posts or cement barriers to prevent a possible vehicle impact damage to building in the event of an accident.
The property owner should hire a licensed contractor to perform hurricane damage repairs. During the claim related repairs, some additional code upgrade related repairs may be needed. Most policies have code upgrade coverage or Ordinance and Law Coverage. This coverage is very important for older buildings. The older buildings may need to upgrade the damaged items to comply with the most recent codes
A public adjuster may assist the policyholder in dealing with their insurance company and any other parties who are involved in the claims process and the repairs for vehicle impact damage to building.
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