Wind is the loss Florida policies are built to argue over. A named storm lifts shingles and tiles, breaches the building envelope, and drives water into the structure. By the time the interior damage shows, the carrier is often already framing the cause as age, wear, or maintenance rather than the storm.
A hurricane or windstorm claim is rarely just a roof. It is the roof system, the openings the wind created, the water intrusion that followed, the interior and contents damage, and, on commercial and association buildings, the loss of rents, business interruption, and code-upgrade costs a compliant rebuild triggers. Documented together, those pieces are the difference between a partial payment and a full recovery.
What decides a hurricane & wind claim in Florida.
The hurricane deductible is separate, and larger
Florida policies carry a separate hurricane or named-storm deductible, usually a percentage of the insured value (commonly 2%, 5%, or 10%) rather than a flat dollar amount. On a large building that can be a very large number. We confirm the correct deductible is applied and that the carrier is not using deductible math to understate what it actually owes above it.
Wind versus flood is a coverage line you cannot blur
A standard property policy covers wind-driven damage; it does not cover flood or storm surge, which require separate flood coverage. Carriers frequently attribute wind losses to excluded flooding to avoid payment. Establishing the true cause of loss, wind first, water second, is often the whole claim.
Matching and ordinance-or-law drive the real number
When wind damages part of a roof or elevation, Florida law can require replacement to match the undamaged portions for a uniform appearance. And a modern rebuild triggers current building code. Both matching and ordinance-or-law upgrade costs are routinely left out of a carrier estimate unless someone puts them in.
What the carrier will try on a hurricane & wind claim.
- —Attributing storm damage to pre-existing wear, prior claims, or deferred maintenance.
- —Paying to patch a few slopes when the roof system needs full replacement to match.
- —Reclassifying wind-driven water intrusion as excluded flood or surge.
- —Ignoring interior, contents, code-upgrade, and loss-of-use damage that followed the wind.
We Build Your Claim The Way Ford Built The Assembly Line.
Henry Ford didn’t try to be the expert at everything. He surrounded himself with specialists, each mastering one part of the work, and assembled the result into something no individual could build alone. We document claims the same way. For a serious loss, one adjuster’s opinion is not enough, so we bring in the right specialists, pull a full report from each, and assemble them into a claim the carrier cannot dismiss.
Building Consultants
Read the structure and the code the way an insurer’s engineer does, so nothing covered gets left out of scope.
General Contractors
Real-world repair pricing and sequencing that holds up when the carrier questions the cost to rebuild.
Structural Engineers
Independent reports on causation and structural damage that carry weight the carrier can’t wave off.
Professional Estimators
Line-item Xactimate estimates built to the same software and standards the carrier’s own adjuster uses.
Contents Specialists
Full inventory and valuation of damaged personal property and business contents, item by item.
Water & Mold Testing
Moisture mapping, thermal imaging, and lab testing that prove the source, the spread, and the cause of loss.
We don’t send an adjuster. We send a team.
These specialists are independent third-party professionals brought in for documentation and evidence purposes. CCG does not perform repair work and holds no financial interest in any repair or remediation contract.
Hurricane & Wind claims: what Florida property owners ask.
How long do I have to report hurricane damage in Florida?
Under current Florida law you generally must give your insurer notice of a new or reopened windstorm or hurricane claim within one year of the date of loss, and notice of a supplemental claim within 18 months. For weather losses the clock typically starts on the date of hurricane landfall. Deadlines vary, so it is worth acting early even before the full damage is visible.
What is a hurricane deductible and how does it work?
It is a separate deductible that applies to named-storm and hurricane losses, usually calculated as a percentage of your insured value rather than a flat amount. Because it can be large, we confirm it is applied correctly and that the carrier is not inflating it to reduce what it pays.
The carrier says my roof damage is old, not storm-related. Now what?
A carrier's causation opinion is not the final word. We document the storm event and the damage pattern, bring in engineering support where needed, and pursue the full covered scope. If the carrier holds an unsupported position, appraisal or a property-insurance attorney may be the next step.
Does my policy cover the water that came in after the wind?
Generally, yes, if wind first created an opening and rain then entered, the resulting water damage is typically covered as wind-driven. The dispute is usually over cause. We document that sequence so the interior loss is paid, not denied as flood.
My insurer already made an offer. Is it too late to hire a public adjuster?
No. An initial offer is almost never the final number. We can document the full loss, dispute the settlement, request re-inspection, or invoke appraisal, and pursue matching, code upgrades, and the interior and contents losses a first offer usually leaves out.
General information only, not legal advice or a coverage determination. Coverage depends on your specific policy, the facts of your loss, and current Florida law.
Denied, underpaid, or already closed? Florida law may still give you time to reopen a hurricane & wind claim.
Have a hurricane & wind loss? Start with a free review.
James reviews every submission personally and responds within 24 hours. No obligation, and no fee unless we recover for you.
← All claim typesReport Your Claim
We respond within 24 hours.