How soon after a hurricane should I file my claim?

Immediately. Document all damage with photos and video as soon as it's safe, begin emergency mitigation (tarping, water extraction), and notify your insurance company within 24 hours. Contact us right away so we can begin documenting the full scope before the insurance company's adjuster arrives.

Do I need separate policies for wind and flood damage?

Yes. Standard property insurance covers wind damage but excludes flood. Flood coverage requires a separate NFIP or private flood policy. After a hurricane, you may need to file claims under both policies. We coordinate between them to maximize total recovery and prevent each carrier from shifting liability to the other.

What is a hurricane deductible?

Many property policies in hurricane-prone states have separate hurricane or named-storm deductibles, typically 2–5% of the insured value. On a $500,000 home, that's $10,000–$25,000. On a $10 million commercial building, it's $200,000–$500,000. Ensuring the full scope of damage is documented can make a dramatic difference in your net recovery above the deductible.

Can I recover additional living expenses or business interruption?

Homeowners can typically recover additional living expenses (ALE) for temporary housing if their home is uninhabitable. Commercial property owners may recover business interruption losses under their property policy. NFIP covers neither. We document all displacement and lost-income costs to ensure maximum recovery from applicable policies.

Are hurricane claims different for commercial properties?

Significantly. Commercial hurricane claims involve multi-building damage, business interruption across multiple tenants, equipment and inventory losses, code upgrade requirements, and much higher claim values. Visit our commercial hurricane damage page for business-specific information.

Hurricane Damage Claims

Expert hurricane claim representation for wind, water, storm surge, and catastrophic storm damage to homes and businesses

Free Hurricane Claim Review Call 888-303-6607

10+

Years Experience

$100M+

Claims Recovered

5,000+

Claims Handled

Licensed

Bonded & Insured

Comprehensive Hurricane Claim Services

Hurricane damage claims are among the most complex in property insurance. They involve multiple types of damage—wind, water, storm surge, flooding—each with different coverage implications. Insurance companies frequently dispute coverage by claiming damage was caused by excluded flood rather than covered wind, leaving both homeowners and business owners underpaid.

Our hurricane claim experts have handled thousands of storm claims across the Gulf Coast and Atlantic seaboard. We understand the technical distinctions between covered and excluded perils, coordinate between property and flood policies, and document damage using engineering reports, meteorological data, and forensic analysis to maximize your settlement—whether you're a homeowner with roof damage or a commercial property owner with a multi-building catastrophe loss.

Hurricane Claims by Property Type

Residential Hurricane Claims

Roof damage, wind-driven rain intrusion, interior water damage, personal property losses, and additional living expenses for homeowners displaced by hurricane damage.

Residential Claims →

Commercial Hurricane Claims

Multi-building catastrophe losses, commercial roof destruction, equipment and inventory damage, business interruption, and coastal commercial property recovery.

Commercial Hurricane Claims →

Types of Hurricane Damage We Handle

Wind Damage

Roof loss, structural displacement, building envelope breaches

Storm Surge

Coastal inundation, foundation damage, structural compromise

Wind-Driven Rain

Interior water damage through compromised roofs and windows

Debris Impact

Tree strikes, airborne debris, structural penetration

Flooding

Riverine flooding from rainfall, drainage failure, levee breach

Mold & Secondary Damage

Post-storm moisture causing mold, rot, and contamination

Electrical & Mechanical

Power surge damage, HVAC destruction, system failures

Contents & Personal Property

Furniture, electronics, inventory, equipment destruction

The Wind vs. Water Dispute

The most contentious issue in hurricane claims is causation. Property insurance carriers deny damage by claiming it was caused by flood—covered under a separate policy. Flood insurers deny coverage by blaming wind damage. This dispute affects both homeowners and commercial property owners, and it requires forensic evidence, meteorological data, and engineering analysis to resolve.

We coordinate claims between property and flood policies, establish clear causation timelines using storm data and damage patterns, and ensure total recovery from all available coverage sources. Our experience in this specific dispute has recovered millions in previously denied claims.

Frequently Asked Questions

Hurricane-Prone States We Serve

Florida Hurricanes

Leading hurricane claims in Miami, Tampa, Orlando, and statewide

Texas Hurricanes

Gulf Coast storm damage in Houston, Corpus Christi, and beyond

Louisiana Hurricanes

Expert representation for New Orleans and Louisiana coast

Also serving: North Carolina, South Carolina, Alabama, and all coastal states →

Related Claim Services

Flood Damage Claims →Wind & Hail Claims →Commercial Hurricane Damage →Commercial Property Claims →

Free Hurricane Claim Review Call 888-303-6607

What Our Clients Say

"I cannot say enough to express the appreciation I have for Corbitt Public Adjusting. Following Hurricane Beryl, my insurance all but refused to pay anything toward repairing my home. My roof needed replacing, floors, doors, and many other areas of my home. This firm went to bat for me and didn't stop until they achieved the goal. Despite countless denials, appraisals, and over a year of back and forth, Corbitt won and I received a much needed settlement offer. They deserve all the stars available."

Deonica H.

"My house was destroyed in the last hurricane that floated through Texas. My insurance company initially paid out a portion of what it actually cost to fix my entire house. Miles responded and showed up to my house within 36 hours. He pointed out several areas that the insurance adjuster overlooked and showed compassion through the whole process. Miles expedited everything and made sure I was fully compensated. Finally back in my house and glad I went with this company."

Derrick W.

"This company did an excellent job for me after facing a hurricane. I recommend Miles and his team to help get damages covered. Thank you Miles and Katie. If I ever need help again you will be the first company I call."

Cherrie N.

Related Resources

📖 Hurricane Claim Help Guide 📖 Storm Damage Claims Guide

Don't Settle for Less Than You Deserve

If your home or business has suffered damage, our team is here to guide you through every step of the insurance claims process. No matter the extent of the loss or the complexity involved, we work diligently on your behalf to secure a fair, timely, and fully supported resolution. From start to finish, we manage the entire claims process for you—ensuring you receive the full compensation your policy provides.

Schedule Free Review 888-303-6607