Key West Hurricane Irma: contents total loss plus structure.
Irma devastated the Keys. Insured had moved contents to second floor before storm; surge reached second floor. Carrier disputed contents reaching that height.
Irma devastated the Keys. Insured had moved contents to second floor before storm; surge reached second floor. Carrier disputed contents reaching that height.
The initial claim
What went wrong
Carrier argued wind/flood allocation against the insured's favor.
The intervention
What we did
Tide gauge data, engineer report on wind-vs-surge causation, and detailed contents inventory.
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Key takeaways
Lessons for policyholders
Wind vs flood allocation is frequently the decisive fight on Keys claims.
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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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