Hurricane & Storm Damage Insurance Claims in Florida
Get the Maximum Insurance Settlement for Hurricane, Hail, and Tornado Damage
Hurricanes and severe storms can cause sudden and widespread damage to Florida properties. High winds, wind-driven rain, flying debris, tornado activity, and hail impact often affect roofs, exteriors, and interior systems at the same time. While insurance policies are designed to cover these losses, storm damage claims are frequently underpaid or limited due to incomplete inspections or narrow interpretations of coverage.
Ocean Point Claims helps Florida homeowners manage hurricane and storm damage insurance claims from start to finish. Our licensed public adjusters inspect the damage, prepare detailed documentation, and communicate directly with the insurance company to ensure the full scope of covered damage is properly presented.
Types of Hurricane and Storm Damage We Handle
Severe weather events often create complex damage patterns that are not always obvious during an initial inspection. Hurricanes, thunderstorms, tornadoes, and hailstorms can impact multiple areas of a property during a single event.
We regularly assist homeowners with claims involving:
- Roof and exterior wind damage
- Hail damage to roofing systems, siding, and exterior surfaces
- Tornado damage caused by extreme winds and debris
- Wind-driven rain and interior water intrusion
- Lightning strike claims affecting roofs, gutters, and wiring
- Damage to windows, doors, gutters, and exterior components
- Structural and framing impacts
Because storm-related damage rarely affects just one system, our inspections focus on how these issues are connected and how they influence the overall scope of repairs.
Why Hurricane and Storm Damage Is Often Underpaid
Storm damage claims are commonly underpaid because early evaluations tend to focus only on visible damage. Roofing systems may be assessed without considering hail impact patterns, wind uplift, or structural stress. Interior damage is sometimes attributed to unrelated causes rather than wind-driven rain or pressure changes created during the storm.
When storm, tornado, or hail damage is not fully documented or clearly connected to the weather event, important portions of the claim may be minimized or excluded, resulting in settlements that do not reflect the true cost of repairs.
What Is Commonly Missed After Severe Weather
Even after an inspection, weather-related damage is often incomplete or understated. Commonly missed issues include:
- Roofing systems damaged by hail that appear intact but are compromised
- Wind uplift and fastener damage not visible from the ground
- Tornado damage caused by debris impact and pressure changes
- Moisture intrusion behind walls or ceilings
- Insulation saturation and hidden water damage
- Code upgrade requirements related to storm repairs
Identifying and documenting these issues early helps ensure the claim reflects the full scope of restoration needed.
How a Florida Public Adjuster Helps With Storm Damage Claims
A hurricane or storm damage insurance claim requires more than identifying damage. It requires clearly connecting that damage to the storm event, the policy language, and the insurer’s evaluation standards. This can be difficult for homeowners to manage while also coordinating repairs and recovery.
Ocean Point Claims assists by conducting thorough inspections, interpreting policy coverage accurately, and preparing documentation that supports the claim clearly and professionally. We manage communication with the insurance company throughout the process to help ensure the damage is evaluated fairly and consistently.
Hurricane and Tornado Damage in Condo
and HOA Communities
Storm damage from hurricanes, hail and tornados can affect multiple units, shared roofs, and common areas across condo and HOA properties. Our adjusters coordinate between master insurance policies and individual HO-6 condo policies to determine proper coverage and prevent claim confusion. We work directly with property managers and association boards to manage:
- Engineering reports and inspections
- Special assessment prevention
- Multi-carrier claim coordination
- Negotiations for full repair funding
Ocean Point Claims Company ensures that both the association and the unit owners receive fair compensation for all covered damages under Florida law.
Our Hurricane and Storm Damage Claim Process
Every storm damage claim is handled using a structured approach designed to reduce delays and avoid missed coverage:
- Review of the insurance policy and storm event
- Detailed property inspection and damage documentation
- Preparation of estimates and supporting reports
- Direct communication with the insurance company
This approach helps keep the claim organized and moving forward through resolution.
Hurricane and Storm Damage Claims Across Florida
Severe weather impacts properties across both coastal and inland areas of Florida. Ocean Point Claims assists homeowners statewide, managing storm damage insurance claims in communities such as West Palm Beach, Orlando, Tampa, Fort Myers, and Jacksonville, as well as surrounding areas affected by high winds, hail, and severe storms.
Whether the damage occurs along the coast or further inland, our process remains the same: thorough inspections, accurate documentation, and clear communication from inspection through settlement.
Florida Storm Damage Considerations
Florida experiences a wide range of severe weather, including hurricanes, strong thunderstorms, tornadoes, and hail events. Each presents unique challenges related to reporting timelines, claim volume, and policy interpretation.
Working with a Florida public adjuster ensures these factors are considered throughout the claim process and that storm-related damage is evaluated within the context of local insurance practices.
Get the Settlement You Deserve - We represent you, not the insurance company
Do not let your insurance company decide what your property is worth. We fight for homeowners, condo associations, and businesses to receive full payment for every storm, hurricane, and tornado damage claim. Call (561) 922-7304 today or request a free claim review.
If your property was damaged by a hurricane or severe storm, having experienced professionals manage the insurance claim can help ensure nothing is overlooked. Ocean Point Claims offers free claim evaluations and works on a contingency basis with no upfront fees.
- Free Inspection & Policy Review
- Available 24/7
- Stress Free Claim Help
- Professional Insurance Claim Representation
- Experienced Public Adjusters
- No Recovery, No Fee
- Homeowners and Commercial Insurance
- Significantly higher settlement when we are involved
- Licensed & Bonded
- Proven results with hurricane damage, hail damage and tornado damage insurance claims
From Stuart to West Palm Beach and throughout the Treasure Coast, we help Florida property owners recover quickly after the storm.