Miami Beach coastal home: wind-only recovery when flood paid NFIP.
Irma damage with both wind and flood. NFIP paid flood; homeowners fought for wind scope.
Irma damage with both wind and flood. NFIP paid flood; homeowners fought for wind scope.
The initial claim
What went wrong
Carrier attempted to cap wind contribution at minimal level.
The intervention
What we did
Engineer causation report for wind-driven rain, wind-caused roof damage, and wind-damaged envelope.
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Key takeaways
Lessons for policyholders
Coastal claims frequently require split wind/flood expert analysis.
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More examples
Related case studies
Panhandle Hurricane Michael: $60,000 offer to $340,000 recovery.
Category 5 Michael devastated Mexico Beach. Carrier offered a fraction of actual damage. Full scope + ordinance or law pushed recovery past
Jacksonville pipe burst: $20,000 offer to $95,000 with mold.
Pipe burst during a cold snap. Initial scope missed behind-wall contamination. Mold remediation expanded the recovery significantly.
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 rea
Panama City Beach condo: $30k unit owner recovery on $15k offer.
Condo unit interior damage from storm. Master policy denied, unit owner had to fight for betterments coverage.
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- ✓Licensed Florida public adjusters
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Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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Orlando water + mold: $8k offer to $45k with remediation.
Another documented Florida claim outcome.
Boca Raton luxury home water: custom finishes scoped.
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Naples tree on pool cage: $3k to $38k.
Another documented Florida claim outcome.
Key West Hurricane Irma: contents total loss plus structure.
Another documented Florida claim outcome.
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- ✓Licensed Florida public adjusters
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- ✓No fee unless we recover more than you were offered
What kind of damage?
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