Destin beachfront condo: wind versus flood allocation fight.
Example figures drawn from common Florida claim patterns. Not a specific claim or client, and not actual settlement amounts. Disclosures.
Beachfront condo storm surge + wind. Proper wind allocation doubled homeowners recovery.
Beachfront condo storm surge + wind. Proper wind allocation doubled homeowners recovery.
Initial claim
What went wrong
Homeowners carrier attempted to attribute damage to flood.
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What kind of damage?
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The intervention
What we did
Engineer causation report for wind-driven rain, wind damage to envelope, separate from flood.
Takeaways
Lessons
Coastal claims require split wind/flood analysis. Proper allocation doubles recovery.
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
No obligation. No fee unless recovery.
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Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.
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Another Florida claim example.
Another Florida claim example.
Another Florida claim example.
Another Florida claim example.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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