Hurricane and wind claims
Wind, water and the line between them
Wind-driven rain, a tree through the roof, a surge line on the wall: the order things happened decides who pays.
After a hurricane, the first question an insurer asks is what caused the damage. Wind is usually covered by your homeowners policy; flood usually isn't, unless you carry a separate flood policy. When both hit the same house, every board becomes an argument. We hire engineers who look at the house, not the satellite map.
What a storm claim usually needs
Dated photos
Before, during and after, from your phone, your neighbors and the street. We gather them into one timeline.
An engineer's report
Independent, written for your claim, and able to stand up to the one the insurer commissioned.
A contractor's estimate
Priced at what labor and materials actually cost on the coast after a storm, not last year's numbers.
Both policies, side by side
Homeowners and flood, or wind pool and flood, read together so nothing falls between them.
Storm claims, answered
I have a separate wind policy. Does that change anything?
It can. Many coastal homes carry wind coverage apart from the homeowners policy. We read every policy on the house together, because the gaps between them are where claims get lost.
What about hurricane deductibles?
Many policies set a separate, higher deductible for a named storm, often a percentage of the home's insured value. We check how it was applied to your claim.
Can you help with a flood policy too?
Yes. Flood policies have their own strict proof-of-loss rules and deadlines, so send it early.
Storm season isn't over when the water goes down
Call any of our three offices, or send the letter and policy online.