- Winter windstorms
- Hail
- Heavy snow
- Frozen pipes
- Grass fire
Housing mix: oil-boom ranches and split-levels, historic downtown buildings, Casper Mountain cabins.
Wind, snow and the North Platte
Casper is Wyoming’s second-largest city and the hub of Natrona County. Westerly winds funnel through the area for much of the year, and winter windstorms are as likely to damage a roof as a summer thunderstorm. Casper Mountain, just south of town, collects heavy snow, and the cabins and homes up there deal with snow load and frozen-pipe losses that town homes don’t.
Housing built in waves
Much of Casper was built during oil and gas booms: 1950s–1980s ranches, split-levels and bi-levels across the east and west sides, newer homes in subdivisions toward Paradise Valley and the edges of town, and neighboring communities like Mills, Evansville and Bar Nunn. Downtown’s Old Yellowstone District has brick commercial buildings with their own matching and code issues. Boom-era homes often have siding, windows and shingles that are long discontinued, which drives matching disputes.
Claims we see around Casper
- Wind losses where siding and shingles blew off on the west elevation and a partial repair can’t match.
- Hail claims on homes and on metal shops and outbuildings around town.
- Frozen pipes in older homes and in vacant rentals during cold snaps.
- Commercial buildings and warehouses serving the energy industry along the highway corridors.
- Snow and freeze damage to Casper Mountain cabins.
Services available in Casper
Every Wyoming Insurance Appraiser service is available to property owners in Casper and the rest of Natrona County:
- Appraisal Clause Representation
- Homeowner Claim Appraisal
- Commercial, HOA & Multifamily
- Roof & Hail Claim Appraisal
- Wind & Tornado Claim Appraisal
- Water & Burst Pipe Claim Appraisal
- Fire & Smoke Claim Appraisal
- Wildfire, Ember & Smoke Appraisal
- Snow Load & Ice Dam Appraisal
- Insurance Estimate Review
- Umpire Services
Questions from Casper property owners
Does the wind/hail deductible apply to a winter windstorm in Casper?
Often yes. Many policies apply the wind/hail deductible to any windstorm. Check your declarations page for the deductible amount and how it is triggered.
My Casper Mountain cabin had a freeze loss. Is that covered?
It depends on whether heat was maintained or the water was shut off and drained, as many policies require for unoccupied buildings. That coverage question needs to be answered before appraisal.