When a hurricane strikes, the chaos doesn't end when the winds die down. For property owners across Texas, Florida, Georgia, and South Carolina, the real battle often begins when filing an insurance claim. Understanding how to properly document damage and navigate the claims process can mean the difference between a fair settlement and leaving thousands of dollars on the table.
The Critical First 72 Hours
The actions you take immediately after a hurricane can make or break your insurance claim. Insurance companies know that evidence disappears quickly—debris gets cleared, temporary repairs are made, and the full extent of damage becomes harder to prove.
Pro Tip
Hire a public adjuster within the first 72 hours after the storm. They'll document everything properly from day one, preventing the most common reason claims get underpaid—insufficient documentation.
Immediate Documentation Steps
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1
Take Comprehensive Photos & Videos
Document every angle of every damaged area. Capture wide shots for context and close-ups for detail. Date-stamp everything.
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2
Secure the Property
Make temporary repairs to prevent further damage (tarping, boarding windows), but photograph everything before and after repairs.
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3
Inventory Damaged Contents
Create a detailed list of every damaged item with photos, receipts if available, and estimated replacement costs.
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4
Report the Claim Immediately
File your claim within 24-48 hours. Delays can give insurance companies grounds to question the timeline of damage.
Understanding Wind vs. Water Damage
One of the most contentious issues in hurricane claims is determining whether damage was caused by wind (typically covered) or water (often excluded or requires separate flood insurance). Insurance companies frequently try to classify wind damage as water damage to reduce payouts.
Common Insurer Tactic
Insurance adjusters may attribute roof leaks to storm surge or flooding rather than wind-driven rain. This distinction can save them tens of thousands—at your expense.
Key Coverage Distinctions
Typically Covered (Wind)
- • Roof damage from wind
- • Broken windows from debris
- • Wind-driven rain damage
- • Structural damage from wind
- • Fallen trees/debris removal
Often Excluded (Water)
- • Storm surge flooding
- • Ground water seepage
- • Rising water from streets
- • Flood damage (needs NFIP)
- • Standing water damage
Know Your Policy Inside and Out
Most policyholders don't fully understand their coverage until disaster strikes. By then, it's too late to make changes. Here's what you need to know:
Critical Policy Components
Dwelling Coverage
Should cover 100% replacement cost, not current market value. Verify your coverage amount annually as construction costs rise.
Hurricane Deductible
Often 2-5% of dwelling coverage (not claim amount). A $500K home with 2% deductible means you pay $10K out of pocket.
Additional Living Expenses (ALE)
Covers hotel, food, and other costs if your home is uninhabitable. Typically 12-24 months of coverage with limits.
Contents/Personal Property
Usually 50-70% of dwelling coverage. High-value items (jewelry, art) need separate scheduling with appraisals.
Common Mistakes That Cost You Thousands
Accepting the First Offer
Initial offers are often 40-60% lower than final settlements. Insurance companies expect negotiation—that's why public adjusters exist.
Not Documenting Hidden Damage
Water intrusion, mold growth, and structural issues may not be visible immediately. Professional inspection is critical within the first week.
Making Permanent Repairs Too Soon
Once repairs are made, proving the original damage becomes nearly impossible. Get full adjuster approval before any non-emergency work.
Failing to Track All Expenses
Keep receipts for everything: temporary repairs, hotel stays, meals, cleaning supplies, storage. These are all potentially reimbursable.
Why Hire a Public Adjuster?
Insurance companies have teams of adjusters working to minimize payouts. You need someone working exclusively for you. Public adjusters are licensed professionals who work on your behalf to maximize your settlement.
The Public Adjuster Advantage
Take Action Now
Hurricane season is unpredictable, but your response doesn't have to be. Whether you're dealing with recent storm damage or preparing for the next hurricane, professional representation ensures you receive every dollar you're entitled to under your policy.
Don't Leave Money on the Table
Revive Claim Management has helped recover millions for hurricane victims across TX, FL, GA, and SC. We handle the entire claims process while you focus on getting your life back to normal.
*Disclaimer: Settlement statistics and percentages referenced in this article are for illustrative purposes only and represent historical averages from industry studies. Individual claim results vary significantly based on policy terms, damage extent, documentation quality, and specific circumstances. Many clients receive settlements higher or lower than quoted averages. Past performance does not guarantee future results.
A free, no-obligation consultation is the best way to understand what your specific claim may be worth. Contact Revive Claim Management at (866) 252-4613 for a personalized assessment of your situation.