Storm and water damage
Hurricane, wind and water, after the adjuster leaves
The first inspection is rarely the last word on what a storm did to your home.
Roofs, ceilings, screen enclosures, floors and walls: we look at the damage you can see, the damage you can't, and how the insurer counted each. Some of the money is in what the first visit missed.
Water from a damaged roof and water from a burst pipe are treated differently by a policy, and water that rises from the ground is usually a separate policy altogether. We tell you what you have before anyone argues about it.
Claims we handle
Wind and hurricane damage to roofs and ceilings
Hail and fallen trees
Rain that came in through a damaged roof
Sudden pipe and appliance leaks
Screen enclosures, lanais and fences
Living costs while you're out of the house
What makes a storm claim hold
Most of it happens before the first repair.
Photos with dates
Photograph every room and the roof before anything is moved. Keep the originals.
A second estimate
A contractor who isn't the insurer's writes what the repair really costs.
An engineer when it matters
A disputed cause, such as wind or age, often needs a written opinion.
The reinspection
We ask for one, and one of us comes with you.
Two sample matters
Appraisal set $53,100
Hurricane damage, two-story home
The insurer's estimate was $31,900. The appraisal panel set the amount.
2023
$27,800 paid
Roof leak at a rental home, windstorm
Called a pre-existing leak. A roofer's dated photos and the policy's wind provision changed the position.
2024
These are sample matters, not promises. Every claim turns on its own policy and facts, and past results don't predict the outcome of yours. Dollar figures are what the insurer paid, before fees and costs.
Did the storm leave more than the insurer counted?
Send the estimate and the photos you have.