Underpaid Wind Damage Claim in Florida?
Wind damage is chronically underpaid because so much of it is subtle — lifted shingles, broken seals, hidden uplift, and torn underlayment that don't look dramatic in a quick inspection. Carriers pay for the obvious and miss the rest. We document wind uplift and the full extent of the damage, then supplement the claim so the payment reflects a proper repair or replacement.
Why Wind Claims Get Underpaid in Florida
- Paying for obvious damage while missing wind uplift and broken seals
- Scoping spot repairs instead of a defensible replacement
- Omitting underlayment, flashing, and detach-reset items
- Below-market labor and material pricing
- Excessive depreciation on wind-damaged components
How We Recover Your Wind Shortfall
Audit the Payment
We compare the carrier's scope and pricing against the true cost of repair, line by line.
Re-document
We re-inspect and document the hidden, omitted, and underscoped damage the first estimate missed.
Rebuild the Estimate
We write an independent replacement-cost estimate at current Florida market rates.
Supplement & Negotiate
We file a formal supplement and negotiate — escalating to appraisal or mediation if needed.
See What Your Claim Should Actually Pay.
Run your damage through our free calculator to get a defensible recovery range built from current Florida market rates — then compare it to what the carrier paid and let us fight for the difference.
Underpaid Wind Claim FAQ
Why was my wind damage claim underpaid?
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Wind damage is often subtle — lifted shingles, broken seals, hidden uplift. Quick inspections miss it, so the payment covers only obvious damage. Proper uplift documentation and a full estimate recover the shortfall.
Can a wind claim be supplemented after payment?
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Yes. If the scope or pricing was short, we file a supplement with documentation. A partial payment is not the final number.
Is wind damage the same as hurricane damage on my policy?
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Not always — wind losses outside a named storm may fall under your standard deductible rather than the hurricane deductible. Getting this right can meaningfully change your net recovery.
What are your fees?
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Contingency only, within Florida's statutory caps. No recovery, no fee.
This information is general and educational, not legal advice. Statutory deadlines and policy provisions vary; consult the current Florida Statutes, your policy, or an attorney for your situation.