A hurricane claim may include wind damage, roof damage, broken windows, water intrusion, flood damage, storm surge, damaged siding, structural damage, contents damage, and business interruption for commercial properties. Different parts of the loss may fall under different policy coverages.

Hurricane claims are complicated because damage can come from multiple causes, including wind, rain, flood, and storm surge. Insurance companies may separate covered and excluded causes, which can affect the payment amount.

Document everything with photos and videos, prevent further damage when safe, save receipts, keep damaged materials when possible, and report the claim promptly. If there is both wind and flood damage, keep documentation organized for each type of damage.

If the property is unlivable due to covered damage, additional living expense coverage may help with temporary housing and related costs. This depends on your policy and whether the cause of damage is covered.

The insurer may have separated wind damage from flood damage, applied deductibles, excluded certain items, or missed hidden damage. A detailed review can help determine whether the scope and cause-of-loss decision were accurate.

Helpful documents include your policy, claim number, photos, videos, weather information, repair estimates, mitigation invoices, receipts for temporary housing, contents inventory, and any letters or estimates from the insurance company.