Hurricane Damage Claims

Roofs ripped apart, windows blown out, water pouring into walls and ceilings, mold spreading within days, electrical systems destroyed, and entire structures compromised. After a hurricane, you expect your insurance company to help you rebuild. Instead, many property owners face delays, underpayments, or denials at the moment they need help the most.

At Finman Law Group, we fight aggressively to make sure your insurance company pays what your policy promises. Hurricane claims are some of the most complex and heavily disputed claims in the insurance industry — and we know exactly how to challenge every tactic insurers use to avoid paying.

Understanding Hurricane Damage Claims

Hurricane damage is rarely limited to one part of a property. High winds, flying debris, winddriven rain, storm surge, and pressure changes can cause widespread destruction.

Common Types of Hurricane Damage

• Roof damage
• Missing shingles or tiles
• Structural damage
• Broken windows and doors
• Water intrusion
• Ceiling and wall damage
• Electrical system damage
• Mold growth
• Flooding (depending on policy)
• Damage to HVAC systems
• Damage to fences, sheds, and exterior structures
• Business interruption losses

Insurance companies often try to separate these damages to reduce payouts. We make sure they evaluate the full scope of the loss.

Why Hurricane Claims Are Often Denied or Underpaid

Hurricane claims are among the most expensive claims insurers face. To protect their profits, they use predictable tactics to minimize payouts.

Common Insurance Company Excuses

• “No storm-created opening”
• “Wear and tear”
• “Old roof”
• “Pre-existing damage”
• “Wind-driven rain not covered”
• “Damage caused by flood, not wind”
• “Cosmetic damage only”
• “Insufficient evidence of wind damage”
• “Improper maintenance”

These excuses are designed to save the insurer money — not to protect you.

Finman Law Group knows how to challenge every one of these tactics.

Wind vs. Flood: The Most Common Dispute

After a hurricane, insurers often blame damage on flooding instead of wind, because flood damage is typically covered under a separate policy. This is one of the most common — and most frustrating — disputes.

Wind Damage (Usually Covered)

• Roof damage
• Broken windows
• Winddriven rain
• Structural damage
• Exterior damage from flying debris

Flood Damage (Separate Policy)

• Rising water
• Storm surge
• Groundwater intrusion

Insurance companies often misclassify wind damage as flood damage to avoid paying. We know how to prove the true cause of loss.

Visit our Windstorm Damage Claims page for more details.

Florida & Texas Hurricane Claim Laws Protect You

Both states require insurance companies to:

• Investigate promptly
• Pay undisputed amounts quickly
• Evaluate all storm-related damage
• Follow building code requirements
• Provide written explanations for any denial or reduction

If the insurer fails to meet these obligations, they may be acting in bad faith.

Finman Law Group uses state laws to hold insurers accountable.

How Hurricane Damage Spreads

Hurricane damage is rarely limited to the roof or exterior. Winddriven rain can enter through:

• Roof openings
• Cracked shingles
• Damaged tiles
• Broken windows
• Gaps in doors
• Soffit and fascia damage
• Attic vents

This leads to:

• Water intrusion
• Mold growth
• Electrical hazards
• Structural weakening
• Ceiling collapse
• Damaged insulation
• Warped flooring

Insurance companies often ignore hidden damage to reduce payouts. We make sure they don’t.

How Finman Law Group Fights Hurricane Damage Disputes

When you hire us, we take over the entire process and build a strong case for full compensation.

1. We Conduct a Full Property Assessment

We work with:

• Roofing experts
• Engineers
• Water mitigation specialists
• Mold assessors
• Contractors
• HVAC specialists
• Public adjusters

We document every area of damage the insurer ignored.

2. We Challenge Lowball Estimates

Insurers often use outdated pricing or incomplete scopes of work.

3. We Demand Full Repairs — Not Patchwork

Hurricane damage often requires:

• Full roof replacement
• Window and door replacement
• Drywall and insulation replacement
• Flooring replacement
• Electrical repairs
• Mold remediation

We ensure the insurer pays for what’s necessary.

4. We Enforce Building Code Requirements

Florida and Texas require repairs to meet strict building codes. Insurers must pay for code upgrades.

5. We File Supplemental Claims

If the insurer missed or undervalued damage, we reopen the claim.

6. We Pursue Bad Faith Damages

If the insurer acted unfairly, they may owe additional compensation.

7. We Litigate When Necessary

If the insurer refuses to pay, we take them to court.

Our mission is simple: make the insurance company pay what they owe — nothing less.

Types of Claims Commonly Linked to Hurricane Damage

Roof Damage

Hurricanes cause widespread roof destruction.
Visit our Roof Damage Claims page.

Water Damage

Winddriven rain causes major interior damage.
See our Water Damage Claims page.

Mold Damage

Moisture from hurricanes leads to rapid mold growth.
Visit our Mold Damage Claims page.

Lightning Damage

Hurricanes often bring lightning strikes.
See our Lightning Damage Claims page.

Commercial Property Damage

Businesses face major losses from structural damage and downtime.

Visit our Commercial & Business Property Damage page.

What To Do After a Hurricane

1. Document everything

Take photos and videos of all damage.

2. Protect your property

Tarp the roof, board windows, and prevent further damage.

3. Don’t throw away damaged materials

They are evidence.

4. Request a full copy of your policy

We review it for coverage you may not know you have.

5. Don’t accept the first offer

It’s almost always too low.

6. Call Finman Law Group at 7867869633

We take over communication with the insurer immediately.

Frequently Asked Questions

Does insurance cover hurricane damage?

Yes — but insurers often dispute the cause of loss.

Does insurance cover wind-driven rain?

Often yes, if wind created an opening.

Can I reopen a hurricane claim?

Yes. You can file a supplemental claim if the insurer underpaid or missed damage.

Do I pay anything upfront?

No. You pay nothing unless we win.

Why Choose Finman Law Group

• Aggressive representation
• Deep experience with hurricane, wind, and water-related claims
• Florida + Texas insurance law expertise
• No upfront fees
• Full support from intake to litigation
• Communityfocused, clientfirst approach

We fight for homeowners and businesses when they need it most.

Rebuild With Strength. Rebuild With Support.

‍Call Finman Law Group at 786-786-9633
Your hurricane claim deserves full compensation — and we’ll fight to get it.