What we handle
- Non-hurricane thunderstorm wind damage
- Tornado and microburst damage
- Wind-driven rain intrusion
- Roof damage from non-named-storm wind
- Fence and exterior damage
- Fallen-tree damage
Key distinction from hurricane claims
The hurricane deductible (typically 2-5% of dwelling coverage) applies only to damage from named hurricanes (and sometimes named storms, per policy). Other wind damage is subject to the standard all-perils deductible (often $500-$2,500). This distinction matters enormously for smaller claims that might be fully deductible-covered under a hurricane deductible but substantially covered under the standard deductible.
Common carrier disputes
- Wind vs. wear-and-tear: carrier argues damage is from aging, not wind
- Wind vs. maintenance: improperly installed roof or fence damage attributed to poor installation
- Scope of damage: localized wind damage claimed; carrier argues pre-existing condition
How to counter
- National Weather Service wind data for the specific date/location
- Neighborhood damage pattern documentation (did similar homes experience damage?)
- Pre-loss condition evidence
- Independent contractor or engineering analysis