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Hurricane and Storm Damage Insurance Claims in Florida

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Hurricane and Storm Damage Insurance Claims

Whenever a hurricane occurs, it is very likely that it will cause huge damage to your home. And there are times when the damage is actually much more than it looks like from the outside. When you take a homeowner’s policy, you might think the insurance policy will also cover any damages caused by hurricanes or storms, but insurers have now shifted more risk to policyholders by having different policies for hurricanes and other calamities and setting higher deductibles.

Hurricane Damage Insurances

Policyholders who have insurance claims, most of them often end up not getting expected money from their insurance claims after facing damages from hurricanes. They don’t get enough money to fix their damages and meet the deductibles too. The same goes for storm damage insurance claims too.

Hurricane insurances are actually a combination made up of a few different kinds of insurance coverages. You can’t get a stand-alone policy that only covers the damages caused by hurricanes. Some insurers combine other things such as flood insurance, homeowners insurance, and various other endorsements.

What Do These Insurances Usually Cover?

It is actually based on the coverages you decide to have. The policy might cover the damages you will face caused by different weather-related perils such as storms, floods, hurricanes, etc. The combinations that you will find in these policies are made of some of these hurricane insurance coverages mentioned below-

Homeowner Insurance Coverage

In this insurance policy, the damage your home might suffer from various risks such as lightning, hurricane, wind, etc. But you need to be careful as they cleverly exclude some of the things from the policy that might be dangerous for your home and cause damages.

Flood Insurance Coverage

If different kinds of flooding, such as storm surge, water driven by winds, etc., cause damage to your house, this insurance covers that specifically. Your usual homeowner insurance will not cover these things. And as you will always be at risk of flooding when a hurricane occurs, you need to have this coverage in your hurricane insurance policy separately. You need to prepare your hurricane insurance claim; otherwise, the insurance company will deprive you of insurance money.

Additional Living Expenses  

Whenever your home or living place gets severely damaged, you will need to go and live somewhere else before you can fully repair your house. And if you don’t add this coverage to your policy and your house gets damaged by a hurricane or something else, the insurance company will not pay you for the additional expenses you will have to go through during your house being repaired. 

You need to be careful while choosing these policies, and you should know that most policies come with very limited coverages. So, you need to ask about the options to higher the limits. While recovering from the losses caused by a massive storm or hurricane, you will need the best policies and coverages that will pay you enough to get things repaired and get your life back on track.

Different Problems of These Policies and Their Coverages

The main problem with homeowners insurance policy is that they have so many limitations, and they don’t cover many things that can cause problems for your home. But when it comes to raising the premiums for any reason, such as attractive nuisances and others, insurance companies will do it before you can blink. 

Different claim settlement terms are offered by home insurance policies. Not having replacement cost coverage for your home or not insuring your home to value will cost you afterward, as you won’t get as much money as you’ll need to rebuild your home. Again, you might get a deductible for a hurricane or storm in your insurance policy. And deductible means a certain amount that you have to pay for the rebuilding or repairing of your house before your insurer starts paying for that. And depending on different states and insurance companies, the rate of the deductible amount can vary, as it can range from 1% to 10% of the whole claim.       

And the problems don’t only lie in different coverages. You might fall short for not buying enough coverages you need. However, the insurance companies can yet refuse to pay you the amount you claim and deserve from the company by sticking you in different loopholes. Moreover, they will send their own adjuster to measure your damages and to negotiate. The insurance company adjuster will do their best to find as little damage as possible and don’t inspect your whole house perfectly, and will only inspect the places you reported previously as damaged. 

You might think that the damage isn’t much, but the damage actually can be a lot worse than it seems or you can think of. The hurricane or storm you faced might cause water intrusion that can later cause massive damage to your walls, and not only that, molds or other problems can also drive from that. And the damages that you will finally report will try to find if there's a way that they can deny your claim by finding shortcomings in your coverage and finding loopholes that can help them pay as little amount as possible.

Hire An Adjuster

Licensed public adjusters from ‘Ask An Adjuster’ can help you in detecting the exact damage you have faced for the storm, and they will use moisture detection devices to check your walls, ceilings, and floors for moisture. An 11 point inspection is provided that covers all the damages, damages you can see and can’t see. And that is because the adjusters from ‘Ask An Adjuster’ will work for YOU, not the insurance company. We will also negotiate with the insurance company on your behalf to get you the best deal possible. Remember, we have your best interests at our heart, not the insurers.

A hurricane can cause damage long after your claim has been settled. Call Ask An Adjuster to get a thorough inspection of ALL possible damage before it’s too late!


Frequently Asked Questions


Q. What information do you need to provide to report your losses?

Ans: You must make preparations to describe your damage and explain it to the insurers as best as you can about how your property got damaged and when the causes happened. If you are told that your premium doesn't cover the damage, you need to call us. Oftentimes insurance agents try their best to deny your claim, and sometimes they commit mistakes while interpreting the policy language.


Q. What to do after reporting the loss?

Ans: You should at first mitigate your property damages to protect it from further damages. At times insurance companies do reimburse their clients for such costs. You should keep all the receipts for the expenses you have made to protect the property. It is recommended to videotape and photograph your damaged property to show your insurers and others if needed.


Q. How to find my coverage amount and deductibles?

Ans: This information is available on the "Declarations Page" of your policy contract. This page provides the amount of your deductible and the limits of your insurance coverage.


Q. How to calculate hurricane deductibles in Florida?

Ans: Most insurance policies in Florida contain a deductible for hurricanes, calculated on a percentage value of either the policy limits or the loss as a whole. You should have a look at the policy you have to calculate your deductible amount.




Hurricane Irma

Hurricane Michael


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Don't take our word for about how satisfied our customers are!

“Curtis Parry and the staff at Ask An Adjuster worked tirelessly to help us fight for what we were owed for damages from Hurricane Matthew. I will continue to recommend their services to all my friends, family and clients.”

  • Kellie Bowling


“After you performed a free roof inspection, you agreed to represent the association on a contingency basis, there would be no cost to the association if you were not successful and this was an easy decision for us. In less than 60 days, your expert team of engineers, negotiators and insurance experts, assisted us in our insurance company awarding us an additional $500,000 cash!"

  • Ann Campbell

    Waterside Village Condominium Association
    Sunrise, Florida

“Thank you for a job well done. We tried to handle the claim ourselves, but without Ask An Adjuster, we would not have been able to restore the value to our property.”

  • Wendy Philips

    Continental Group Incorporated
    on behalf of Sunpointe Springs Condominium
    Sunrise, Florida

Why choose Ask An Adjuster Claims Adjusting?

Our state of the art Thermal Imaging Inspection helps find hidden damage you didn’t know was there.

Regardless if you have submitted a claim or not, we can review your property or current claim.


We specialize in all types of property claims including storm, water, fire, lightning, tornado, sinkhole, appliance leaks, plumbing damage and more..


If we aren’t successful, our inspections, estimates, submissions, and communications cost you nothing.


Our adjusters work hard to restore our communities for its business owners and residents.

Our Ask An Adjuster team consists of professionals from all backgrounds, working together to assist you.


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