Hurricane claims are the most contested in the industry. Insurers dispute wind vs. flood coverage, depreciate your roof into near-worthlessness, argue "pre-existing conditions," and deny secondary water intrusion after a wind breach. We know every tactic — and we fight back with documentation they can't ignore.
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Your insurance company sends an adjuster trained to protect their bottom line — not yours. They classify wind-driven water as flood damage. They depreciate roofs aggressively. They blame "pre-existing conditions" when a Category 3 storm just tore through your block.
The result: a check that doesn't rebuild your home. We re-open the claim, document what they missed, and force the carrier back to the table — under Florida law, with the policy language they hoped you'd never read.
The insurer's most-used tactic — classify your damage as flood (excluded) rather than wind-driven water (covered). We document the breach sequence with engineering reports that reverse the classification and unlock the full claim.
Insurers slash payouts by applying aggressive ACV depreciation even when the policy allows full replacement cost recovery. These deductions are frequently inflated — and challengeable with the right documentation.
A favorite denial tactic: claim the damage existed before the storm. We tie every new loss directly to the named storm with photographic timelines, weather data, and code-violation evidence — closing the door on this argument.
Florida law requires code-compliant repairs and matching finishes. Insurer estimates routinely skip both. Our scope of loss captures every upgrade — hurricane straps, R-30 insulation, full tile matching — that your policy already covers.
Full or partial roof destruction, lifted shingles, decking failure, truss damage. We document every component and fight depreciation-based reductions that undervalue your roof's replacement cost.
Impact-broken windows, blown-off doors, frame deformation, impact-resistant glass failures. We ensure all breached openings are included in your estimate — not just the obvious ones.
When wind-driven storm surge enters through compromised barriers, insurers fight to classify it as flood damage. We build the forensic record that preserves your wind coverage for water intrusion.
Load-bearing wall damage, foundation shifts, compromised framing, total collapse. We bring in licensed structural engineers whose assessments form the backbone of your maximum-value claim.
Destroyed fencing, pool screen enclosures, pool deck cracks, outdoor structures, detached garages, landscaping. These items are routinely missed or undervalued in insurer-produced estimates.
A denial is not final. We analyze your policy language, challenge improper exclusions, and reopen denied hurricane and wind damage claims — often recovering full value for clients told they'd receive nothing.
Proven Track Record
Insurance companies make lowball offers on hurricane claims hoping you'll accept. We know what your storm claim is actually worth — and we fight until you get it.
How We Work
We mobilize immediately after the storm. Our team photographs, measures, and records every element of damage before any remediation or repair begins. This documentation is the foundation of an unbeatable claim file — and the evidence insurers can't argue with.
We read every line of your policy — coverage limits, exclusions, depreciation schedules, wind vs. flood provisions. We identify every avenue of recovery you may not know exists, and build a claim strategy designed to maximize your payout under the policy's full terms.
We submit a detailed claim package and negotiate directly with your insurance company's adjuster. When they low-ball or wrongly deny, we counter with forensic documentation, contractor estimates, and legal policy analysis. We handle every call, letter, and meeting so you don't have to.
We don't close your file until you've received every dollar your policy entitles you to. If the insurer refuses to negotiate in good faith, we invoke appraisal or escalate through appropriate channels. Our contingency structure means our incentive is your maximum recovery — nothing less.
The wind vs. flood distinction is the most common tactic insurers use to deny or minimize hurricane claims. Wind damage is typically covered under your homeowner's policy; flood damage requires separate flood insurance. A public adjuster can document the sequence of events — proving that wind created the initial breach before water entered — which is critical to preserving your wind coverage. We build the forensic record to support your claim and counter the insurer's argument.
Depreciation disputes on roofs are extremely common after hurricanes. Many policies have Actual Cash Value (ACV) provisions for roofing, which means the insurer deducts for the roof's age and condition. However, the depreciation amount is often inflated or incorrectly applied. We review your policy, challenge improper deductions, and in many cases recover Recoverable Depreciation payments after repair or replacement.
In Florida, policyholders generally have three years from the date of loss to file a first-party property insurance claim. However, the specific deadlines depend on your policy language and the storm event. If you have undiscovered or underpaid hurricane damage, contact us immediately — waiting further reduces your options. We have experience reopening and supplementing hurricane claims well after the initial settlement.
Total loss hurricane claims are among the most complex in the industry. Insurers use their own estimators and often undervalue replacement costs, contents, and additional living expenses. We bring in licensed contractors, contents specialists, and appraisers to establish the true replacement value of your home and everything in it — then we fight to get the full amount your policy provides.
Yes. Commercial hurricane claims are often the largest and most disputed. We represent owners of retail centers, office buildings, multi-family properties, warehouses, and industrial facilities. Commercial policies have unique coverage structures, coinsurance requirements, and business interruption provisions — areas where our expertise adds the most value.
Get Your Free Review
Hurricane damage claims require immediate, expert attention. The documentation window closes quickly and insurers move fast. Contact us now for a free, no-obligation review of your hurricane claim — we'll tell you exactly what it's worth and how we can help.
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