Common Problems With Storm Damage Claims
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Disputed cause of damage
Insurance companies often argue that damage was caused by wear and tear, poor maintenance, or pre-existing conditions rather than the storm. They may deny claims for 'cosmetic' damage even when it affects your home's integrity.
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Underestimated repair costs
Storm damage estimates from insurance companies often fall far short of actual repair costs. They may use outdated pricing, undercount damaged materials, or overlook related damage to other parts of your home.
Roof damage that leads to interior problems
Wind-damaged roofs often lead to water intrusion and interior damage. Insurance companies may try to separate these claims or deny coverage for secondary damage.
Roof damage that leads to interior problems
Wind-damaged roofs often lead to water intrusion and interior damage. Insurance companies may try to separate these claims or deny coverage for secondary damage.
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Time-sensitive deadlines and claim complexity
After a major storm, you're one of many claimants. Insurance companies may be slow to respond, and there are deadlines for filing claims and completing repairs that you need to meet.
How Naiche Helps With Storm Damage Claims
Storm damage claims require quick action and thorough documentation. Insurance companies see thousands of claims after major weather events and look for ways to minimize payouts. Here's how we advocate for you:
Document interior damage that resulted from roof or siding breaches
Navigate the claims process during high-volume storm events when insurers are overwhelmed
Prepare professional repair estimates using current market pricing
Conduct thorough inspections to document all wind and storm damage, including areas homeowners often miss
Identify and photograph damage patterns that prove storm causation vs. wear and tear
Negotiate with your insurance company to ensure fair payment for all covered damage
Our Process for Storm Damage Claims
1
Post-Storm Assessment
We inspect your property thoroughly to document all storm-related damage, visible and hidden.
2
Damage Documentation
We photograph and catalog all damage, establishing clear evidence of storm causation.
3
Claim Preparation
We prepare a comprehensive claim with detailed estimates that reflect true repair costs.
4
Insurance Negotiation
We advocate on your behalf to secure a fair settlement that covers all your damage.
Frequently Asked Questions About Storm Damage Claims
What if my roof has both storm damage and pre-existing issues?
Insurance should cover the storm damage portion. The key is properly documenting which damage was caused by the storm versus what existed before. We're experienced at making this distinction clear and advocating for coverage of all storm-related damage.
Can I hire a public adjuster for hurricane damage?
Absolutely. Hurricane damage claims are often complex, involving wind, water, and sometimes flooding. A public adjuster can help navigate these complexities, ensure all damage is properly documented, and fight for full compensation.
Is wind damage typically underpaid by insurance companies?
Unfortunately, yes. Insurance adjusters often underestimate the extent of damage, use lower-than-market repair estimates, and may miss hidden damage. After major storms, insurance companies also process claims quickly to reduce costs, which can result in underpayment.
Will insurance cover temporary repairs after storm damage?
Yes, most policies require you to make reasonable temporary repairs to prevent further damage, and these costs are typically covered. Keep all receipts and document the damage before and after temporary repairs. We can help ensure these costs are included in your claim.
How long do I have to file a wind damage claim?
Most policies require you to report damage promptly—usually within days or weeks of the event. However, you typically have more time (often 1-2 years) to fully file and document your claim. We recommend contacting us as soon as possible after storm damage to protect your rights.
Does homeowners insurance cover wind and storm damage?
Yes, wind damage from storms, hurricanes, and tornadoes is typically covered by standard homeowners insurance. However, there may be separate deductibles for wind or hurricane damage in some states, and coverage limits may apply. We can review your specific policy to help you understand your coverage.
What should I do immediately after a storm damages my home?
Document the damage with photos and videos before making any repairs beyond emergency measures. Cover any openings to prevent further damage—this is required by most policies. Keep receipts for any emergency repairs or temporary measures. Report the damage to your insurance company, but consider consulting a public adjuster before giving recorded statements or accepting any offers.
What if my insurance company says the damage is from wear and tear?
This is a common tactic. Insurance adjusters may attribute storm damage to pre-existing conditions or poor maintenance. We can help by documenting damage patterns that clearly show storm causation and providing evidence to counter these arguments.
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Serving 7 States
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