Hurricane & Storm Damage Claims
When the Storm Passes, We're Here to Help.
Hurricanes and severe storms can leave property owners facing unexpected damage and a complicated insurance claims process. At HP Adjustments, we provide experienced guidance, thorough damage documentation, and dedicated representation to help you navigate your claim and pursue a fair settlement under your insurance policy.
Get a Free Claim Review
Where Storm Damage Shows Up
Storm damage isn't always limited to what you can see from the outside. Our comprehensive approach considers roofing, exterior components, interior damage, and detached structures to help ensure all related damage is properly documented.
Zone 01
Roof- Shingle lift & loss
- Underlayment damage
- Decking & flashing
- Wind-driven rain entry
Zone 02
Exterior- Siding & soffit damage
- Window & door breach
- Gutter & fascia
- Stucco cracks
Zone 03
Interior- Ceiling water staining
- Drywall saturation
- Flooring & substrate
- HVAC & contents
Zone 04
Detached- Pool cage collapse
- Fences & sheds
- Screened enclosures
- Docks & decks
How We Handle Storm Claims
Florida hurricane claims have short deadlines and moving parts. We manage the timeline so nothing gets lost.
Day 1 – 3
Immediate Response & DocumentationWe inspect, photograph, and document conditions before mitigation crews alter the evidence. Mitigation authorization and emergency coverage locked in.
Week 1 – 2
Full Scope & Policy ReviewAll four zones scoped, hurricane deductible calculated against dwelling limit, ALE and detached structures coverage reviewed and applied.
Day 60
Proof of Loss FiledFlorida deadline met with a complete Xactimate estimate and supporting documentation the carrier cannot dismiss as incomplete.
Supplemental Phase
Negotiation & RecoveryHidden damage uncovered during repair is added through supplemental claims. Recoverable depreciation pursued through final settlement.
More Claims We Handle
Pipe leaks, burst pipes, slab leaks, appliance failures, and storm water intrusion.
Learn more →Fire & Smoke DamageStructural fire, smoke infiltration, soot contamination, and hidden damage.
Learn more →Roof DamageStorm damage, wind and hail impact, leak-related issues, full roof evaluations.
Learn more →Mold & Secondary DamageMold from water loss, delayed damage, and secondary structural issues.
Learn more →Appraisal ServicesDisinterested appraiser for claim disputes involving scope, valuation, or contested estimates.
Learn more →Ready to Get Your Claim Reviewed?
Contact us today for a free consultation. We evaluate your property damage and help you get what you are entitled to from your insurance company.
(386) 214-8563Serving Daytona Beach, Orlando, Volusia County & Central Florida
HP Adjustments
Licensed Florida Public Adjusters serving Daytona Beach, Orlando, Volusia County, and Central Florida. We fight for policyholders, not insurance companies.
Contact
(386) 214-8563 heather@hpadjustments.comDaytona Beach, FL
Heather Pacheco, FL Lic. #W604295 | NC Lic. #19316345
HP Adjustments, LLC, Firm Lic. #G259997
© 2026 HP Adjustments. All rights reserved. | Daytona Beach, FL