By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Preexisting-damage arguments are among the most common carrier tactics in Florida hurricane and water claims. The evidence that wins is dated documentation, physical inspection, and meteorology: pre-loss photos, real-estate appraisal images, contractor invoices, building permits, and NOAA storm data confirming the weather event. Don't discard damaged materials or make permanent repairs before the scope is agreed.
Evidence that matters
- Pre-loss photos or videos (exterior, roof, interior)
- Real-estate appraisal photos from when you bought
- Contractor invoices for recent improvements
- Building permits showing pre-loss condition
- Neighbor testimony / photos
- NOAA storm data confirming a weather event at the correct date
Independent investigation
A qualified inspector or engineer can often determine the age of damage from physical features (oxidation, staining patterns, materials).
What not to do
- Do not discard damaged materials before inspection
- Do not make permanent repairs before scope is agreed