Hurricane and wind damage claims
across Florida
After a storm, insurers get flooded with claims and adjusters are stretched thin. We document every part of your loss and handle the insurer so your claim isn’t rushed or underpaid.
The full picture of storm damage
Wind damage is rarely limited to the roof. We inspect the whole property, inside and out, and document damage the insurer’s adjuster may miss on a quick visit.
- Roof coverings, flashing, vents and soffits
- Windows, doors, screens and lanais
- Siding, stucco cracks and fascia
- Fences, pool enclosures and outbuildings
- Interior water damage from wind-driven rain
- Contents and additional living expenses
Hurricane claims have their own rules
Hurricane deductibles
Most Florida policies carry a separate hurricane deductible, often a percentage of your dwelling coverage rather than a flat amount. We explain how it applies before you make decisions.
Wind versus flood
Homeowners policies generally exclude flood. Flood damage is usually covered by a separate flood policy. When both wind and water hit, how the damage is split matters, and we document the cause carefully.
Reporting deadlines
Florida law now requires most new property claims to be reported within one year of the date of loss, and supplemental or reopened claims within 18 months. Your policy may set its own notice requirements too, so don’t wait.
Temporary repairs
Your policy expects you to protect the property from further damage. Tarp the roof, dry out what you can and keep every receipt. Those costs are part of the claim.
Hurricane claim FAQs
Should I wait for the insurance adjuster before calling a public adjuster?
No. The earlier we’re involved, the more we can document before repairs and cleanup change the evidence.
My neighbor’s claim was paid but mine wasn’t. Why?
Policies, deductibles and documentation differ from home to home. We’ll review your policy and the insurer’s reasons and tell you whether there’s a path forward.
What does it cost?
Nothing upfront. Our fee is a percentage of what the insurer pays, agreed in writing. Florida law limits public adjuster fees on claims from a declared state of emergency during the first year after the event.
Talk to a licensed public adjuster
Tell us what happened. We’ll review your policy and your claim, explain your options and tell you honestly whether we can help.