- Tornadoes
- Large hail
- Straight-line wind
- Blizzards
- Frozen pipes
A plains city that knows severe weather
Clovis lies in Curry County on the Llano Estacado, close to the eastern edge of New Mexico. Its weather looks more like the southern Great Plains than the Rio Grande Valley: spring and early summer bring supercell thunderstorms capable of large hail, damaging winds and tornadoes, and winter can deliver blizzards and bitter cold. Residents remember the tornado of March 2007, which damaged homes, businesses and churches across parts of the city and was a vivid reminder that tornadoes are a real risk here.
Cannon Air Force Base, a short drive west, brings a steady population of military families, many of whom rent or buy homes for a few years at a time. That turnover affects claims, because a new owner may not know a roof’s history, and a carrier may point to damage from a storm that happened before the current owner arrived.
Homes and buildings in Curry County
Clovis neighborhoods are dominated by brick and frame ranch homes with pitched asphalt shingle roofs, many built in the mid-twentieth century, along with newer subdivisions on the north side and around the edges of town. Manufactured homes are common in and around the city. In the surrounding county, dairies, feedlots, grain storage and farm shops add large metal buildings, sheds and equipment that face the same storms.
Claim disputes we see in Clovis
- Tornado and wind scope. After a damaging wind event, carriers may repair visible damage while missing racked framing, shifted trusses or compromised roof decking.
- Hail on older shingles. Brittle, aged shingles crack readily under hail, and the argument often shifts to whether damage was pre-existing.
- Repeated storms. Properties hit by more than one storm in a short span invite disputes about which event caused which damage and which deductible applies.
- Winter losses. Burst pipes and ice damage after severe cold are often scoped narrowly or questioned on timing.
- Agricultural structures. Barns and metal buildings may be valued using simplified line items that don’t reflect their size or construction.
Our high wind damage appraisal and hail and roof appraisal pages explain our approach.
How we help in Clovis
We serve Clovis and Curry County from our statewide practice and don’t keep a local office. We begin with your policy and the carrier’s estimate, then inspect the property thoroughly, from roof decking to interior ceilings and outbuildings. If the gap is mostly about pricing, an estimate review may close it. If it’s larger, we can be appointed as your appraiser under the policy’s appraisal clause, and an umpire resolves any remaining disagreement between the two appraisers.
Read inside the appraisal process for details, see nearby Roswell, or contact us to start.
Services available in Clovis
Every New Mexico Insurance Appraiser service is available in Clovis and the rest of Curry County, including:
- Appraisal Clause Representation
- Home Insurance Appraisal
- Commercial & HOA Appraisal
- Hail & Roof Appraisal
- High Wind Damage Appraisal
- Water Damage Appraisal
- Fire & Smoke Damage Appraisal
- Wildfire Loss Appraisal
Clovis claim questions
My Clovis home was hit by two storms a few weeks apart. How is that handled?
Separate storms may be treated as separate claims with separate deductibles, depending on the policy. Careful documentation of the damage after each event helps assign damage to the right storm.
Can appraisal address structural damage after a tornado?
Yes. If the disagreement is about the extent and cost of repairs, including framing, trusses and decking, appraisal can address it. An engineer’s report may be useful when structural questions are involved.
Do I need to live in Clovis to use your services?
No. We serve properties throughout New Mexico, so owners who have moved away, including those reassigned from Cannon AFB, can still work with us on a Clovis claim.