Hurricane Damage Claims
Signs of damage
- Lifted, creased, or missing shingles or tiles
- New ceiling stains or drywall bubbling after the storm
- Damaged soffit, fascia, gutters, or screen enclosures
- Broken windows, doors, or garage doors
- Fallen trees or debris impact on the structure
How insurers underpay
- Blaming interior water on 'pre-existing wear' instead of the storm
- Paying for spot repairs when matching requires a full replacement
- Leaving out code-upgrade costs required by Florida building code
- Underestimating contents and additional living expenses
What to do now
- Photograph and video every room and the exterior before any cleanup
- Make temporary repairs (tarps, board-ups) and keep every receipt
- Report the claim promptly — Florida has strict notice deadlines
- Call us before the insurance adjuster's inspection so we can attend
Frequently asked questions
How long do I have to file a hurricane claim in Florida?
Under Florida Statute 627.70132, notice of a new or reopened hurricane claim must be given within 1 year of landfall, and a supplemental claim within 18 months. Your policy may require earlier notice, so report damage promptly.
What is a hurricane deductible?
Most Florida policies carry a separate hurricane deductible — usually 2%, 5%, or 10% of your dwelling coverage — that applies once per hurricane season to losses from a named hurricane. Because it is large, every item of damage needs to be captured in the estimate.
Does homeowners insurance cover hurricane flooding?
Usually not. Wind and wind-driven rain are covered under a homeowners policy, but storm surge and rising water are covered by a separate NFIP or private flood policy. When both occur, we help separate the losses so neither carrier underpays.
Can I hire a public adjuster after the insurer has already paid?
Yes. If the payment does not cover the real cost of repairs, a public adjuster can review the estimate and pursue a reopened or supplemental claim within Florida's deadlines.
Other claim types
Free inspection. No recovery, no fee.
Send a few details and one of our licensed adjusters will personally get back to you. Prefer to talk now? Call (305) 614-2851.
North Miami Beach, FL 33162