Florida Hurricane Claims.
When the storm passes, your real fight begins — with your insurer. We've handled hundreds of hurricane claims across South Florida from Ian through current season.
After a hurricane: what to do first.
Once you're safe and the storm has passed, the claim process starts immediately. The decisions you make in the first 72 hours often determine the eventual settlement size.
- Document damage with photos and video BEFORE any cleanup or repair
- Make emergency repairs only as needed to prevent further damage — keep receipts
- File a claim with your insurer (Florida requires prompt notice)
- Don't sign Authority to Repair documents until you understand them
- Don't accept the first offer if it feels low — get a second opinion
- Save all communication with your insurer in writing
Florida hurricane claim rules.
Named-storm deductibles — typically 2-5% of dwelling coverage. We make sure your claim is scoped to clear the deductible threshold.
3-year supplemental window— Florida law allows hurricane claim supplements within 3 years of date of loss. If you've discovered additional damage during repairs, you likely still have time.
Code-upgrade coverage— Hurricane re-roofs often trigger Florida Building Code upgrades (hurricane straps, decking, bracing). These have their own coverage section many homeowners don't invoke.
Wind-driven rain coverage — Interior water damage from wind-created openings (lifted shingles, blown windows) is typically covered, even though insurers often deny these claims initially.
Don't accept less than you're owed.
Free claim review. No obligation. Florida-licensed adjusters standing by 24/7 during storm season.
No recovery, no fee · Bilingual team · Available 24/7 in storm season