Hurricane Damage Claims

Expert hurricane Damage Claim Assistance

Hurricane Damage Claim?
We’ll fight for a fair outcome.

  • Full damage survey (roof, structure, water)
  • Estimate & file claim
  • Negotiate with your insurance carrier

License # 17044669 

✅ No Recovery, No Fee. | ✅ Maximize Your Payout. | ✅ Local Experts.

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Request Insurance Claim Assistance

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What we do

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Inspect & Document

Photos, moisture readings, and full evidence.

Estimate & File

Detailed estimate and claim file submission

Negotiate

We handle adjuster meetings & back-and-forth.

Settle

You sign off when you’re satisfied with the outcome.

Why Homeowners Call Us

  • Underpaid or denied claim
  • Paperwork overload
  • ALE disputes
  • Hidden moisture/mold risk

What Clients Say

“They handled everything with our insurance after the storm damage."

– Ana, B.

“We didn’t know what paperwork to file — they did it."

Ramon N.

"Professional, responsive, and calm during a stressful time."

Charlotte

Free Claim Review

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Common Questions About Hurricane Damage Claims

Understanding the intricacies of hurricane damage claims can be challenging. Here are some frequently asked questions to help guide you through the process.

What should I do first after hurricane damage?

Stay safe, then document before you clean up—wide shots, close‑ups, every room, roof/exterior, and any temporary tarps. Mitigate further damage (board up, tarp, dry‑out) and keep all receipts. Then start a free claim review so nothing gets missed.

Does my policy cover hurricane damage? What about storm surge and flooding?

Most homeowners policies address wind/wind‑driven rain; storm surge/flood is usually a separate flood policy (NFIP/private). We coordinate both so damage is properly attributed and coverage isn’t denied due to “wrong policy” arguments.

What is a hurricane/named‑storm or windstorm deductible?

Many states use a special deductible for named storms—often a % of your dwelling limit (e.g., 1–5%). Your exact amount is on the Declarations Page. We factor this into your estimate so there are no surprises.

Can I start cleanup before the insurance adjuster arrives?

Yes—policies generally require reasonable steps to prevent further damage. Take photos first, save samples (shingles, flooring), and keep invoices for tarping, dry‑out, and board‑ups. We’ll include those costs in the claim.

My roof has creased/missing shingles—repair or full replacement?

If storm forces caused uplift, broken seals, creasing, or widespread loss, code/matching requirements can justify full replacement. We document slope by slope with photos/roof reports and negotiate the proper scope, not just patchwork.

How quickly do I have to file a claim or proof‑of‑loss?

Deadlines vary by policy and state. Report the loss immediately to preserve your rights; some filings and proofs are time‑sensitive. We manage all notices and documentation so you don’t miss cutoffs.

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Still unsure after the storm?

Start your Free Claim Review — we’ll assess coverage, timelines, and next steps and call you back fast.

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Take Control of Your Insurance Claim Today

Don’t let insurance complexities overwhelm you. Reach out to Keystone Adjusting for expert guidance and ensure you receive the settlement you deserve. Our team is ready to assist you every step of the way.

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