Wind, Hurricane & Storm Claims

Wind and storm damage are among the most common reasons Florida homeowners and businesses file property insurance claims. Hurricanes, tropical storms, and severe weather can cause roof damage, broken windows, siding failure, and water intrusion. Insurers often try to attribute damage to wear and tear, exclude certain causes, or lowball repair costs. Ramirez Enriquez PLLC knows how to build and present your case so you get the full recovery you are entitled to under your policy. We have represented countless property owners in wind and storm claims and have taken cases to trial when insurers refuse to pay.

Types of Wind & Storm Damage We Handle

• Roof damage from hurricanes, tropical storms, and high winds
• Missing or damaged shingles, tiles, and membrane roofing
• Structural and siding damage from wind and flying debris
• Water intrusion caused by wind-driven rain
• Damage to commercial buildings and association common elements
• Denied or underpaid claims due to "wear and tear" or "pre-existing" arguments

Why Insurers Deny or Underpay Storm Claims

Insurers frequently argue that damage was not caused by the storm, was pre-existing, or is excluded. They may send adjusters who minimize the scope of damage or attribute it to "normal wear." We push back with documentation, expert opinions, and when necessary, litigation. Our experience in property damage trials gives us leverage to secure fair settlements and verdicts.

How We Help

• Review your policy and the insurer's position
• Coordinate with engineers and other experts to document cause and scope of damage
• Prepare and submit demands for full policy benefits
• Negotiate with insurers and their counsel
• File suit and try cases when insurers refuse to pay fairly

Common Questions

My insurer says the roof damage is from wear and tear, not the storm. What can I do?

Insurers often try to deny or reduce wind and storm claims by arguing that damage was "pre-existing" or "wear and tear." We work with engineers and other experts to document that the loss was caused by a covered wind or storm event and to establish the full scope of damage. We then demand full policy benefits and, when necessary, litigate.

How soon after a storm should I file a claim?

You should report the claim to your insurer as soon as practicable after discovering the damage. Policy terms and Florida law may impose deadlines. If you have already filed and been denied or underpaid, it is not too late to contact an attorney. We can review your claim and advise on next steps.

What if I have a wind deductible or hurricane deductible?

Many Florida policies have separate wind or hurricane deductibles (often a percentage of the dwelling limit). We help you understand your policy and fight for the full amount owed above the deductible. We also challenge improper application of deductibles when insurers try to avoid paying what they owe.