Hurricane and tropical storm claims are defined by one recurring fight: how much of the damage was wind, which is generally covered, and how much was water, which usually is not.
That single distinction, decided by documentation, shapes nearly every coastal storm claim.
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How Hurricane and Tropical Storm Damage Presents
A tropical system attacks a building on multiple fronts at once. Sustained and gust wind lifts roofing, fails openings, and drives rain deep into wall and roof cavities; storm surge and rising water flood the lower portion of the structure from the ground up; and debris impact opens the envelope for still more water. The wind damage is often highest, the surge damage lowest, and the interior damage spreads between them — and separating these causes is the crux of the claim.
What UPA Documents
We document a hurricane as separable causes on one structure. That means establishing what the wind and wind-driven rain caused above the waterline versus what surge caused below it, scoping the roof, openings, and interior wind damage in full, correlating the damage to the storm, and capturing the secondary moisture and structural damage a fast catastrophe inspection misses — so covered wind damage is not folded into a flood exclusion.
Coverage That Shapes the Claim
These claims turn on hurricane and named-storm percentage deductibles that substantially change the settlement, on the wind-versus-flood coverage split between a homeowners and a separate flood policy, on whether the policy pays actual cash value or replacement cost, and on additional living expenses or business interruption during a long recovery. How the wind and water portions are allocated frequently decides most of the outcome.
Why Choose Us?
Hurricane claims are underpaid primarily through the wind-versus-water distinction. Carriers use surge marks, elevation, and debris lines to attribute damage to excluded flood rather than covered wind, understate wind-driven rain intrusion above the waterline, apply large named-storm or hurricane deductibles, and process high volumes of claims quickly after a landfall — offering low settlements before the full loss is documented.
Contact Our Non-Profit Public Adjusting Firm
If your hurricane and tropical storm claim is being delayed, underpaid, or denied, the difference is almost always in the documentation.
UPA independently inspects and documents the loss and re-presents the claim to pursue the settlement your policy owes. Contact us today to schedule a consultation.