Hurricane & wind
Hurricane & Wind Damage
Florida's most consequential first-party loss category. Wind, named-storm deductibles, and surge exclusions create the largest gaps between what carriers offer and what policies owe.
Florida first-party claim
What's typically covered
- Wind-driven damage to roofs, walls, and openings
- Wind-driven rain entering through covered openings
- Tree-impact damage to structures
- Detached structures (sheds, fences, pool cages)
- Additional living expenses during repairs
What carriers commonly underpay
- Roof systems repaired piecemeal instead of replaced
- Wind-driven rain damage misclassified as flood
- Code-upgrade costs (FBC compliance) ignored
- Matching of undamaged materials denied
- Pool screen enclosures undervalued
What we do differently
- Engage roofing experts to document wind uplift and matting failure
- Tie all interior damage to a covered wind event with photographic evidence
- Apply Florida matching statute (F.S. 626.9744) where applicable
- Document code-upgrade costs separately
- Negotiate named-storm deductible application carefully
Signs of damage to look for
- Missing or lifted shingles
- Granule loss in gutters or downspouts
- Soffit or fascia displacement
- Interior staining at exterior walls or ceilings
- Pool cage panels missing or torn
If any of the above describes your situation, request a free claim review. We'll evaluate your policy and the loss before you make any decision.
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