A hurricane does not hit a condominium or apartment community in one place. It lifts the roof system, breaches the envelope, damages balconies and windows, and drives water into units on every floor, and the association is left coordinating a claim that spans the entire property while owners and tenants wait.
A commercial windstorm claim is the roof system, the openings the wind created, the interior and common-element damage, the loss of rents while units are unusable, and the code-upgrade costs a compliant rebuild triggers, documented across the whole building. On a master policy with a large insured value, the deductible alone can run into six figures, which makes documenting everything above it critical.
What decides a commercial hurricane & wind claim.
The hurricane deductible on a master policy is large
Named-storm deductibles are usually a percentage of the building’s insured value. On a multi-million-dollar association or apartment complex, that can be a very large number the association absorbs before the carrier pays a dollar. Documenting the full loss above that deductible is what protects the association’s reserves.
Loss of rents and business interruption
While units are uninhabitable, the income the property stops earning, loss of rents for apartment operators, and business interruption for commercial tenants, is a separate covered loss most associations under-document. It is often one of the largest components of the claim.
Matching and code across the whole building
Florida’s matching requirement applies to roofs and elevations across the property, and a code-compliant rebuild triggers ordinance-or-law costs. Carriers routinely scope a few areas and leave building-wide matching and code upgrades out.
What the carrier will try on a commercial hurricane & wind claim.
- —Attributing building-wide storm damage to age, wear, or prior claims.
- —Reclassifying wind-driven water intrusion as excluded flood or surge.
- —Paying for isolated slopes or units and ignoring matching across the property.
- —Omitting loss of rents, business interruption, and code-upgrade costs.
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.
Commercial hurricane & wind claims: what boards and operators ask.
Does the association or the individual owner file a hurricane claim?
For damage to the building, roof, and common elements, the association files under the master policy. Owners typically handle the interior of their own units under their unit-owner (HO-6) policies. The two often overlap, which is exactly where scope disputes arise. We help the association document its side and coordinate the boundary.
How does the hurricane deductible work on a commercial master policy?
It is usually a percentage of the building’s insured value rather than a flat amount, so on a large property it can be very substantial. The association absorbs that amount before the carrier pays, which is why documenting the full loss above the deductible matters so much.
Can we recover the rent we lost while units were unusable?
Generally yes, loss of rents and business interruption are typically covered while the property is being restored, for the reasonable period of restoration. It is a separate, documented calculation that associations and operators frequently leave money on.
The carrier only approved part of our roof. Is that all we get?
Not necessarily. When damaged roofing cannot be matched to the rest, Florida law can require replacement to a uniform appearance, and a code-compliant rebuild adds ordinance-or-law costs. We pursue building-wide matching and code, not a partial patch.
General information only, not legal advice or a coverage determination. Coverage depends on your association’s or building’s specific policy, the facts of your loss, and current Florida law.
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