Hurricane damage claims are among the most complex property insurance claims in Florida. A single storm can cause multiple types of damage — including wind, rain, and flooding — which are often handled under different policy coverages.

Many property owners don’t realize:

• Wind damage is typically covered under your homeowners policy
• Flood damage may require a separate flood insurance policy
• Insurance companies may attempt to shift blame between coverages to reduce payouts

After a storm, visible damage is only part of the problem. Hidden issues such as moisture behind walls, compromised roofing systems, and structural weakening can go undetected without a thorough inspection.

As a policyholder, you are required to:

• Report the claim promptly
• Prevent further damage (tarping, mitigation, etc.)
• Provide accurate documentation

Failure to meet these responsibilities can lead to delays, partial payments, or denied claims.

EPIC Claims Consultants works on your behalf to:

✔ Identify all covered damage

✔ Properly document your loss

✔ Interpret your policy correctly

✔ Present and negotiate your claim professionally

We make sure your claim reflects the true scope of damage — not just what the insurance company initially sees.