Wind Damage Insurance Claims in Orlando, Florida

  Wind damage can affect much more than a roof. Severe thunderstorms, tropical storms, hurricanes, and high winds can damage roofing, windows, doors, exterior structures, and other parts of a property. 

Wind can also allow rainwater to enter a building and cause additional interior damage.

If your Orlando or Central Florida property has experienced wind damage, Roof Claim Adjusting can help you navigate the property insurance claim process.

We represent policyholders—not insurance companies.

As a licensed Florida public adjusting firm, we assist property owners with documenting reported damage, preparing claim information, reviewing available estimates, communicating with the insurance carrier, and addressing disputed, denied, delayed, or underpaid property insurance claims.

Call 407-497-7093 to discuss your wind damage insurance claim.

 A windstorm can create a complicated property insurance claim because damage may occur in multiple areas of a building.

Depending on the circumstances of the loss, a wind damage claim may involve:

• Roof and exterior building components
• Windows and doors
• Gutters, soffit, and fascia
• Siding and exterior finishes
• Fences and gates
• Detached structures
• Interior water intrusion
• Ceilings and drywall
• Flooring and insulation
• Personal property
• Damage associated with fallen trees or debris

A property should be evaluated as a whole when wind damage is suspected. Visible exterior damage may only be one part of the reported loss.

For related assistance, see our [Roof Insurance Claims], [Hurricane Insurance Claims], and [Water Damage Claims] pages.

 Wind does not affect every property in the same way. Damage can depend on the severity of the storm, the construction of the property, the age and condition of building components, and the location of the property. 

 Wind can affect roofing systems and other exterior components. Depending on the circumstances, property owners may discover displaced or damaged materials, damaged flashing, vents, gutters, soffit, fascia, siding, or other exterior components.

Roof damage should be considered as part of the overall property insurance claim rather than treating the loss as only a roofing repair issue.

If you are dealing specifically with a roof insurance claim, visit our [Roof Insurance Claims] page.

 High winds and wind-borne debris can damage windows, doors, screens, frames, and surrounding components.

Damage to an exterior opening may also allow rainwater to enter the property, potentially resulting in additional interior damage.

 Wind damage can sometimes lead to water intrusion when an exterior component is damaged during a storm.

Depending on the circumstances, resulting damage may affect:

• Ceilings
• Walls
• Drywall
• Flooring
• Insulation
• Cabinets
• Trim
• Personal property

Our [Water Damage Claims] page provides additional information about property insurance claims involving water damage.

 Wind can damage fences, gates, sheds, detached structures, screens, and other exterior property components.

These areas should be documented when they are part of the reported loss.

 After a major storm, some damage may be obvious while other conditions may require a more detailed inspection.

Potential signs include:

• Missing or displaced exterior materials
• Damaged roofing components
• Damaged gutters or downspouts
• Damaged soffit or fascia
• Broken windows or screens
• Damaged doors
• Fallen trees or branches
• New water stains
• Interior leaks
• Wet drywall or flooring
• Damage to fences or detached structures
• Debris impact damage

Not every condition automatically establishes insurance coverage. Coverage depends on the applicable policy, the facts and circumstances of the loss, exclusions, limitations, deductibles, and other policy provisions.

 Documentation is an important part of a property insurance claim.

When it is safe to do so, property owners should preserve evidence of the reported damage and document the condition of the property.

Useful documentation may include:

• Photographs
• Videos
• Inspection reports
• Repair estimates
• Invoices
• Receipts
• Emergency repair records
• Insurance correspondence
• Claim documents
• Information about when the storm occurred
• Information about when damage was discovered

Photograph both the overall property and individual areas of visible damage.

If emergency work is necessary to protect the property from additional damage, keep records of the work and related expenses.

Do not enter areas that may be unsafe because of structural damage, electrical hazards, fallen trees, or other dangerous conditions.

Take photographs and videos when it is safe to do so.

Take reasonable temporary measures to prevent additional damage when necessary and safe.

Keep photographs, estimates, invoices, receipts, inspection reports, and correspondence related to the loss.

Your policy contains the terms, conditions, exclusions, limitations, and requirements that may apply to your claim.

If the loss is extensive, complicated, disputed, denied, or underpaid, a licensed public adjuster can assist with the claim process.

 Many property owners first notice wind damage on their roof. However, a wind loss should not automatically be viewed as only a roofing issue.

A storm may affect multiple parts of a property, and exterior damage may be associated with resulting interior conditions.

Roof Claim Adjusting approaches wind damage from the property insurance claim perspective.

We help policyholders document the reported loss, organize supporting information, prepare claim documentation, review available estimates, and communicate with the insurance carrier.

For additional information about roof-related insurance claims, visit [Roof Insurance Claims].

 An insurance company may deny a wind damage claim or dispute whether particular damage is covered.

A claim determination may involve questions concerning:

• Cause of loss
• Timing of damage
• Policy exclusions
• Wear and tear
• Maintenance
• Pre-existing conditions
• Storm-related damage
• Resulting damage
• Documentation
• Policy requirements

If your wind damage claim has been denied, our [Denied Insurance Claims] page explains more about addressing disputed claim issues.

Roof Claim Adjusting can review available claim information and help identify documentation or clarification that may be appropriate based on the circumstances of the loss.

 A windstorm can sometimes damage an exterior portion of a property and allow rainwater to enter.

When this occurs, documentation may need to address both the exterior condition and resulting interior conditions.

Potential interior areas include:

• Ceilings
• Walls
• Drywall
• Flooring
• Insulation
• Cabinets
• Trim
• Personal property

The circumstances connecting the reported damage should be documented carefully.

For more information, see [Water Damage Claims].

 Wind damage can affect commercial buildings and other business properties in numerous ways.

Depending on the property and circumstances, a commercial claim may involve:

• Roofing systems
• Exterior walls
• Windows and doors
• Interior finishes
• Water intrusion
• Equipment
• Contents
• Signage
• Fences
• Detached structures
• Other building components

Commercial property owners may also have additional documentation and claim considerations.

Visit our [Commercial Property Insurance Claims] page for more information.

 Property owners do not necessarily need a public adjuster for every insurance claim.

Professional claim assistance may be worth considering when:

• The damage is extensive
• Multiple areas of the property are affected
• The claim is complicated
• Documentation is difficult
• The insurance estimate does not appear to address the reported damage
• The claim has been denied
• The claim has been delayed
• The claim appears to be underpaid
• You want professional assistance managing the claim process

Roof Claim Adjusting represents the policyholder, not the insurance company.

 Roof Claim Adjusting is a licensed Florida public adjusting firm serving Orlando and Central Florida.

Our work may include:

• Documenting reported property damage
• Preparing insurance claim documentation
• Reviewing available estimates
• Organizing supporting evidence
• Communicating with the insurance carrier
• Assisting with disputed claim issues
• Assisting with denied claims
• Assisting with underpaid claims
• Preparing claim information
• Negotiating the claim on behalf of the policyholder

Our role is to help the policyholder navigate the claim process and present documented information concerning the reported property loss.

We are not the insurance company, and we are not the contractor performing the repairs.

 Roof Claim Adjusting serves property owners throughout Orlando and surrounding Central Florida communities.

Our service area includes:

• Orlando
• Winter Park
• Maitland
• Apopka
• Sanford
• Oviedo
• Kissimmee
• Altamonte Springs
• Lake Mary
• Ocoee
• Winter Garden
• Windermere
• And surrounding Central Florida communities

You can also visit our [Orlando Public Adjuster] page for information about our services in Orlando.

 Real claim experiences can help property owners understand how complicated property insurance losses can become.

Our [Claim Results & Case Studies] page provides examples of documented property insurance claim situations.

Every claim is different. Past claim results do not guarantee a particular outcome for another property owner or insurance claim.