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Insurance claims personnel are often asked to consider whether damage to a building is related to excessive wind forces or whether a structure is deficient in its capacity to resist wind.  Extending or denying wind damage related coverage is linked to the expected wind loading on a structure. Wind velocity data is often obtained from weather station reports obtained from instrumentation in open country. This data may or may not be reflective of the actual wind speed at the claimant’s loss site.  A wind speed of 70 mph may not be sufficient to cause damage to the claimant’s properly designed and maintained structure, yet a wind speed of 90 mph may be damaging.  A condition at the loss site that can cause higher wind speeds than that reflected by open country wind speed data is called the Venturi effect.

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