Wind & Hail Damage
High winds and hail can cause significant damage to roofs, siding, windows, and gutters. Insurance companies often minimize these claims by attributing damage to "normal wear and tear" or "pre-existing conditions."
Common Insurance Company Tactics:
- Claiming damage is from age or maintenance issues
- Offering repairs instead of full replacement
- Undervaluing the scope of roof or siding damage
How We Fight Back:
We document every impact point, measure wind speeds from weather data, and use independent roofing experts to prove the full extent of storm-related damage.
Water Damage
Burst pipes, leaking appliances, roof leaks, and plumbing failures can cause extensive water damage. Mold growth, structural deterioration, and content loss often follow—but insurance companies try to limit what they'll pay.
Common Insurance Company Tactics:
- Denying secondary damage like mold or structural issues
- Blaming damage on "lack of maintenance"
- Underestimating drying and restoration costs
How We Fight Back:
We use moisture meters, thermal imaging, and mold testing to document the full scope of water intrusion and secondary damage that carriers want to ignore.
Fire & Smoke Damage
Fire causes visible destruction, but smoke and soot contamination can spread throughout your home—affecting walls, HVAC systems, contents, and more. Fire claims are complex and emotionally draining.
Common Insurance Company Tactics:
- Minimizing smoke and odor remediation needs
- Undervaluing personal property and contents
- Denying additional living expenses (ALE) coverage
How We Fight Back:
We coordinate with fire restoration experts, document all smoke contamination, and ensure you're compensated for both structural repairs and personal property replacement.
Hurricane & Storm Damage
Hurricanes, tornadoes, and severe storms cause multiple types of damage at once—wind, water, structural failure, debris impact, and power surges. These claims require extensive documentation and aggressive advocacy.
Common Insurance Company Tactics:
- Separating wind and water damage to reduce payout
- Denying tree and debris removal costs
- Lowballing repair estimates after catastrophic events
How We Fight Back:
We document all storm-related damage comprehensively, use meteorological data to prove causation, and fight for full coverage under all applicable policy sections.