Hurricane Claims
Hurricane insurance claim help — wind, surge, and wind-driven rain.
Named-storm claims are the most complex first-party losses in America. Between percentage hurricane deductibles, anti-concurrent-causation clauses, and short statutory notice windows, carriers routinely underpay or deny legitimate claims. We document the loss, invoke the right provisions, and get the fair number on the table.
Why hurricane claims get underpaid
- Percentage hurricane deductibles (2%–10% of Coverage A) shift huge dollars back to the policyholder.
- Anti-concurrent-causation clauses attempt to bar entire losses when both wind and flood contribute.
- Wind-driven rain exclusions turn covered water damage into denied water damage without proper documentation.
- Carriers close claims on estimates that miss code-upgrade, matching, ALE, and interior mold work.
- Short statutory notice windows (1 year in FL under §627.70132; state-specific elsewhere) force fast, thorough documentation.
What we do on a hurricane claim
- Full policy read — declarations, endorsements, hurricane deductible trigger.
- Slope-by-slope roof inspection with NOAA wind-speed correlation.
- Interior water, mold, and contents documentation with photo grids.
- Xactimate scope written against your policy — not the carrier's shortcut.
- Written notice of representation to the carrier and formal proof of loss.
- Appraisal invocation when the amount of loss is disputed.
Hurricane-exposed markets we serve
Denied or underpaid hurricane claim?
Send us your denial letter and estimate. We'll tell you honestly whether it's worth reopening.