{
  "id": "riskg-windstorm-preparedness",
  "type": "risk-guideline",
  "languages": {
    "en": {
      "id": "riskg-windstorm-preparedness",
      "lang": "en",
      "type": "risk-guideline",
      "title": "Windstorm Preparedness and Roof Inspection",
      "shortDefinition": "Windstorm preparedness and roof inspection comprise the regular examination of roofs, façades and outdoor installations together with structural measures that limit wind damage to buildings and its consequential losses.",
      "synonyms": [
        "Storm protection",
        "Wind damage prevention"
      ],
      "linesOfBusiness": [
        "Property"
      ],
      "jurisdictions": [
        "CH",
        "Global"
      ],
      "tags": [
        "Natural hazards",
        "Loss prevention"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-natural-hazards",
          "term-sturm"
        ],
        "partOf": [
          "riskg-natural-hazards"
        ],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
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      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "VdS 2389 – Protection Against Windstorms"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
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      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/windstorm-preparedness-roof-inspection/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/risk-engineering/sturmvorsorge-dachinspektion/",
      "body": "## Hazard picture\n\nWindstorm losses arise primarily from lifted roof coverings, falling trees and façade elements, and from consequential water damage once the building envelope has been breached. Loosely anchored roof coverings, large lightweight façades and roof-mounted installations such as photovoltaic arrays or air-conditioning units are particularly exposed where their fixings were not originally designed for current wind load standards.\n\n## Preparedness and inspection measures\n\nRegular pre-season roof inspections check anchoring, sealing and the condition of flashing; rooftop installations must have documented fixings verified against wind uplift. Pruning storm-prone trees near buildings and keeping loose outdoor items, which can become airborne debris, properly stored further secure the site.\n\n## Insurance relevance\n\nBecause windstorm events affect wide areas and can generate significant accumulation losses, property insurers increasingly require evidence of wind-load-compliant fixings for exposed roof constructions. Neglected inspections are among the most common reasons why windstorm losses turn out larger than expected."
    },
    "de": {
      "id": "riskg-windstorm-preparedness",
      "lang": "de",
      "type": "risk-guideline",
      "title": "Sturmvorsorge und Dachinspektion",
      "shortDefinition": "Sturmvorsorge und Dachinspektion umfassen die regelmässige Prüfung von Dächern, Fassaden und Aussenanlagen sowie bauliche Massnahmen, die Windschäden an Gebäuden und deren Folgeschäden begrenzen.",
      "synonyms": [
        "Sturmschutz",
        "Windstorm Preparedness"
      ],
      "linesOfBusiness": [
        "Sach"
      ],
      "jurisdictions": [
        "CH",
        "Global"
      ],
      "tags": [
        "Naturgefahren",
        "Schadenverhütung"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-natural-hazards",
          "term-sturm"
        ],
        "partOf": [
          "riskg-natural-hazards"
        ],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "VdS 2389 – Schutz vor Sturm"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
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      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/risk-engineering/sturmvorsorge-dachinspektion/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/windstorm-preparedness-roof-inspection/",
      "body": "## Gefährdungsbild\n\nSturmschäden entstehen primär durch abgehobene Dacheindeckungen, umstürzende Bäume und Fassadenteile sowie durch Folgewasserschäden nach Beschädigung der Gebäudehülle. Besonders gefährdet sind lose verankerte Bedachungen, grossflächige Leichtbaufassaden und Dachaufbauten wie Photovoltaikanlagen oder Klimageräte, deren Befestigung ursprünglich nicht auf aktuelle Windlasten ausgelegt wurde.\n\n## Vorsorge- und Inspektionsmassnahmen\n\nRegelmässige Dachinspektionen vor der Sturmsaison prüfen Verankerung, Abdichtung und Zustand von Blecheinfassungen; Aufbauten müssen gegen Windsog nachgewiesen befestigt sein. Ergänzend sichern der Rückschnitt sturmgefährdeter Bäume im Gebäudeumfeld sowie eine geordnete Aussenlagerung loser Gegenstände, die bei Sturm zu Wurfgeschossen werden können, das Gelände.\n\n## Versicherungsrelevanz\n\nDa Windereignisse grossflächig auftreten und erhebliche Kumulschäden verursachen können, verlangen Sachversicherer bei exponierten Dachkonstruktionen zunehmend den Nachweis einer windlastgerechten Befestigung. Unterlassene Inspektionen zählen zu den häufigsten Ursachen für unterschätzte Sturmschäden im Schadenfall."
    }
  }
}