A single storm can trigger several different coverages at once — wind, water, impact, and interior damage — and carriers prefer to treat each as a smaller, separate problem.
Storm claims are won by keeping the whole event together rather than letting it be broken into pieces.
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Remove storm Claim Anxiety with UPA
By choosing our non-profit organization, you can trust that your claim won't be minimized, ensuring you receive the compensation you rightfully deserve.
How Storm Damage Presents
A severe storm damages a building through multiple simultaneous mechanisms. Wind lifts roofing and siding and drives rain into the openings it creates; hail bruises surfaces; falling trees and debris puncture roofs and walls; and the water that enters through storm-opened gaps spreads into cavities and lower levels. The damage is layered — an exterior breach leads to interior water, which leads to hidden moisture — and the connections between these are where scope is lost.
What UPA Documents
We document a storm as one connected event. That means tracing the sequence from the exterior breach to the interior water and hidden moisture, scoping roof, siding, openings, and interior together, distinguishing covered wind and impact damage from excluded causes, and capturing the secondary damage that a fast first inspection misses — so the claim reflects everything the storm set in motion.
Coverage That Shapes the Claim
Storm claims turn on several provisions — wind/hail or named-storm deductibles, the wind-versus-water and wind-versus-flood distinctions, matching on roof and siding, and whether the policy pays actual cash value or replacement cost. Whether interior water from a storm-created opening is treated as covered wind-driven rain frequently decides a large part of the settlement.
Why Choose Us?
Storm claims are underpaid by fragmentation. Carriers commonly scope the visible exterior damage while ignoring the interior water that followed, attribute part of the loss to excluded causes such as flood or wear, apply matching disputes and depreciation to the roof and siding, and close files quickly after a wide-area event before the full extent is documented. The result is a settlement built around pieces rather than the whole event.
Contact Our Non-Profit Public Adjusting Firm
If your 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.