What's Typically Covered
Storm-driven wind damage, gutters torn loose by falling branches or debris, and hail damage are all commonly covered perils under standard Florida homeowner's policies. What's usually not covered is gradual deterioration — sagging from age, rust, or wear that built up over years rather than happening in a single storm event.
What Carriers Look For
- Clear photo documentation taken as soon as possible after the storm, showing the damage in context.
- A specific storm or weather event the damage can be tied to — not a vague "it's been getting worse."
- Proof the gutters were properly installed — unpermitted or clearly substandard original work can complicate a claim, which is one more reason licensed installation matters.
How We Help With Claims
When we're called out after storm damage, we document the damage with photos and a written assessment that homeowners can submit alongside their claim. We're not a public adjuster and don't negotiate the claim itself, but the documentation we provide is often exactly what an adjuster needs to process it faster.
"The claims that move fastest are the ones with clear before-and-after documentation tied to a specific storm date. We build that documentation into every storm-damage assessment we do, because it genuinely speeds up the homeowner's claim."
Get a Straight Answer
Tell us what's going on — we'll give you honest guidance on cost and what's realistic. No obligation.
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