Wind & Hurricane Damage Claims
Wind and hurricane damage claims are among the most aggressively disputed by insurance companies. Because these claims often involve roof systems, structural components, water intrusion, and extensive repairs, insurers routinely deny, delay, or underpay homeowners—especially when hidden damage is involved.
At Aviva Insurance Adjusters, Inc., our Certified Windstorm Appraisers and Umpires specialize in hurricane claims and know exactly how to document wind-related loss for maximum compensation.
Have You Experienced Wind or Hurricane Damage?
Hurricanes produce extreme wind pressure, flying debris, roof uplift, broken windows, soffit failure, and water intrusion. Even if your home appears mostly intact, wind damage may be extensive beneath the surface.
We routinely see insurers deny hurricane claims by saying:
“Your roof is old.”
“There is no storm-created opening.”
“This was not caused by wind.”
These statements are often incorrect when a professional investigates.
Why Hurricane Damage Is So Extensive
Wind damage is not always visible from the ground. A full inspection often reveals:
- Roof shingle uplift
- Broken or displaced tiles
- Cracked tile underlayment
- Missing ridge caps
- Bent flashing
- Damaged soffits and fascia
- Water intrusion into attics
- Structural movement
- Window frame separation
Even small openings allow wind-driven rain to enter the home and cause widespread interior damage.
We handle claims including:
- Hurricane roof damage
- Wind-driven rain
- Broken windows or doors
- Fallen trees
- Structural shifting
- Ceiling stains and water intrusion
- Attic insulation saturation
- Mold resulting from storm entry
- Hurricane damage must be thoroughly documented—insurance companies rarely do this themselves.
Collateral Hurricane Damage — What Does It Mean?
Hurricane damage involves multiple layers of destruction. “Collateral” damage refers to the additional required repairs beyond the obvious.
Examples of Collateral Hurricane Damage
Example 1: Roof Uplift
Wind loosens shingles or tiles, allowing water to penetrate the underlayment and insulation. These areas must be replaced even if the roof looks intact from above.
Example 2: Attic Moisture
Wind-driven rain enters attic vents or cracks in the roof system, soaking insulation and creating conditions for mold.
Example 3: Matching Law Requirements
Florida Building Code requires matching materials. If a section of roof or siding is affected, insurers may owe for full replacement.
Why You Shouldn’t Rely Only on the Insurance Company’s Adjuster
Hurricane claims are expensive. Insurance companies try to minimize payouts by:
- Misclassifying wind damage as “wear and tear”
- Ignoring roof uplift not visible to the naked eye
- Excluding water damage by claiming “no opening”
- Overlooking interior moisture
- Minimizing structural displacement
- Ignoring mold caused by storm intrusion
A public adjuster ensures:
- Drone and ladder inspections are performed
- Moisture testing identifies hidden damage
- Interior and attic spaces are fully documented
- Roof uplift is proven with physical evidence
- Building code requirements are enforced
- Full claim value—not partial repairs—is paid
Get a FREE Hurricane Damage Inspection & Consultation
We provide:
- Full roof inspection including uplift testing
- Drone photography
- Attic moisture evaluation
- Structural assessment
- Policy review for wind/hurricane benefits
- Full claim handling & negotiation
Call us now — 877-351-1933
We’re ready to discuss your claim immediately.
Claim Your Insurance
Wind and hurricane damage claims are time-sensitive.Don’t wait—protect your right to a full settlement.
Signs of Hidden Wind Damage
- Ceiling staining or bubbling paint
- Loose shingles or tiles
- Warped or cracked soffits
- Drafts near windows and doors
- Musty attic odor
- Light visible through roof decking
- Granule loss around the home
If you notice ANY of these, your home may have significant storm damage.
Frequently Asked Questions About
Hurricane Damage Claims
Is wind-driven rain covered?
Yes, if wind created an opening.
Is roof replacement covered?
Yes, when damage cannot be locally repaired.
Is mold from hurricane damage covered?
Yes, under a mold sublimit.
Can my claim be denied?
Yes—often incorrectly. We challenge wrongful denials.
How long do I have to file?
Florida law allows hurricane claims to be filed within specific deadlines—contact us ASAP.