Hurricane Andrew Florida Claim Impact. Public Adjuster Guide.
Hurricane Andrew was a Category 5 tropical system affecting Florida in 1992, with landfall near Homestead. Peak winds reached 165 mph. Total insured losses exceeded $17.0 billion.
What we saw
Claim impact from Hurricane Andrew
Claims from Hurricane Andrew were dominated by wind damage, roof damage, and water intrusion. Storm surge and flood claims were handled under separate NFIP or private flood coverage. The distinction between wind and water causation became a central dispute in many claims.
What to learn
Lessons for current policyholders
Document before the storm
Pre-storm photos of every elevation, roof, and major feature are the single best investment you can make in your claim.
Understand wind versus flood
Wind and flood are separate coverages. Know what you have before the storm.
Expect carrier backlogs
Post-storm, carrier inspection and payment timelines stretch. Statutory deadlines still apply but enforcement is slower.
AOB solicitation increases
Post-declared-emergency AOB solicitation is restricted under FS 626.8696. Be wary of door-knockers.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 later.
Supplemental
If you still have an open claim from Hurricane Andrew
If you have damage from Hurricane Andrew that was underscoped or newly discovered, you may still be eligible for supplemental claims depending on timing. Review FS 627.70132 for supplemental windows.
No obligation. No fee unless recovery.
Unresolved Hurricane Andrew claim? Free review from a licensed Florida public adjuster.
No fee unless we recover more.
Common issues
Relevant denial patterns after hurricanes
Wear and tear denial
Common post-storm denial pattern.
Wind-driven rain denial
Distinguishing wind-caused vs. seepage.
Hurricane deductible dispute
When the deductible is misapplied.
Partial roof denial
Matching statute challenges.
Free claim review
Still building your claim? We can help right now.
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 later.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
Coverage area
Florida counties affected
Miami-Dade County
Claim patterns and carrier responses in this Florida county.
Broward County
Claim patterns and carrier responses in this Florida county.
Palm Beach County
Claim patterns and carrier responses in this Florida county.
Hillsborough County
Claim patterns and carrier responses in this Florida county.
Orange County
Claim patterns and carrier responses in this Florida county.
Pinellas County
Claim patterns and carrier responses in this Florida county.
Duval County
Claim patterns and carrier responses in this Florida county.
Lee County
Claim patterns and carrier responses in this Florida county.
Polk County
Claim patterns and carrier responses in this Florida county.
Collier County
Claim patterns and carrier responses in this Florida county.
Sarasota County
Claim patterns and carrier responses in this Florida county.
Volusia County
Claim patterns and carrier responses in this Florida county.
Storm history
Other Florida storms
Hurricane Charley Florida Claim Impact
Another Florida storm with documented claim impact.
Tropical Storm Andrea Florida Claim Impact Guide.
Another Florida storm with documented claim impact.
Hurricane Erin Florida Claim Impact Guide.
Another Florida storm with documented claim impact.
Hurricane Ida (FL Impact 2021) Florida Claim Impact Guide.
Another Florida storm with documented claim impact.
Hurricane Floyd (FL Impact 1999) Florida Claim Impact Guide.
Another Florida storm with documented claim impact.
Hurricane Idalia Florida Claim Impact
Another Florida storm with documented claim impact.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
Browse more