Hurricane & Storm Damage Claims
When the Storm Passes, the Real Fight Begins
Carriers lowball storm claims by blaming pre-existing wear, misapplying wind exclusions, and sending adjusters who spend 20 minutes on a property that takes hours to properly document. We find what they missed, challenge every exclusion, and fight for what your recovery actually costs.
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Where Storm Damage Shows Up
After a Florida storm, damage shows up in four zones. Carriers routinely scope one or two and move on. We document all four.
Zone 01
Roof- Shingle lift & loss
- Underlayment damage
- Decking & flashing
- Wind-driven rain entry
Zone 02
Exterior- Siding & soffit damage
- Window & door breach
- Gutter & fascia
- Stucco cracks
Zone 03
Interior- Ceiling water staining
- Drywall saturation
- Flooring & substrate
- HVAC & contents
Zone 04
Detached- Pool cage collapse
- Fences & sheds
- Screened enclosures
- Docks & decks
How We Handle Storm Claims
Florida hurricane claims have short deadlines and moving parts. We manage the timeline so nothing gets lost.
Day 1 – 3
Immediate Response & DocumentationWe inspect, photograph, and document conditions before mitigation crews alter the evidence. Mitigation authorization and emergency coverage locked in.
Week 1 – 2
Full Scope & Policy ReviewAll four zones scoped, hurricane deductible calculated against dwelling limit, ALE and detached structures coverage reviewed and applied.
Day 60
Proof of Loss FiledFlorida deadline met with a complete Xactimate estimate and supporting documentation the carrier cannot dismiss as incomplete.
Supplemental Phase
Negotiation & RecoveryHidden damage uncovered during repair is added through supplemental claims. Recoverable depreciation pursued through final settlement.
More Claims We Handle
Pipe leaks, burst pipes, slab leaks, appliance failures, and storm water intrusion.
Learn more →Fire & Smoke DamageStructural fire, smoke infiltration, soot contamination, and hidden damage.
Learn more →Roof DamageStorm damage, wind and hail impact, leak-related issues, full roof evaluations.
Learn more →Mold & Secondary DamageMold from water loss, delayed damage, and secondary structural issues.
Learn more →Ready to Get Your Claim Reviewed?
Contact us today for a free consultation. We evaluate your property damage and help you get what you are entitled to from your insurance company.
(386) 243-9530Serving Daytona Beach, Volusia County & Central Florida
HP Adjustments
Licensed Florida Public Adjusters serving Daytona Beach, Volusia County, and Central Florida. We fight for policyholders, not insurance companies.
Contact
(386) 243-9530 heather@hpadjustments.comDaytona Beach, FL
Heather Pacheco, FL Lic. #W604295 | NC Lic. #19316345
HP Adjustments, LLC, Firm Lic. #G259997
© 2026 HP Adjustments. All rights reserved. | Daytona Beach, FL