How Hurricane Claims Work
Know your coverage
Most policies cover hurricanes but have unexpected exclusions. Insurance companies call these exclusions "endorsements". Know your endorsements and when it's time to renew it is best to minimize them.
How long do I have?
You have up to one year submit a property insurance claim...but it's best to file your claim right away in case of an insurance dispute. Unfortunately, many insurance companies look for ways to underpay and even reject claims.
Flood Insurance
Flooding caused by hurricanes is not covered under your hurricane insurance. Heavy rainfall, clogged storm drains and storm surge can all create more damage than the hurricane. Check your policy, flood insurance is an important addition to your insurance policy.
Why Hire Paragon Public Adjusters for Hurricane & Severe Wind Damage Claims?
A hurricane claim can be one of the most complicated types of insurance claims a homeowner will ever face. Unlike a simple roof leak or plumbing issue, hurricane damage often involves multiple types of loss — wind, rain, flood, and even structural shifting — all of which may fall under different parts of your policy or require separate claims.
After a storm, it’s not always easy to tell where the damage came from. For example, was it wind-driven rain or rising floodwater? That distinction alone can determine whether your claim is covered or denied. On top of that, insurance companies often bring in engineers, inspectors, and adjusters who may interpret damage differently, making it harder for homeowners to know what’s truly fair.
There’s also the volume of paperwork and documentation required — detailed estimates, photos, reports, and proof of loss forms — all of which must meet the carrier’s specific standards. Missing or mislabeling just one item can delay or reduce your settlement.
To make matters more challenging, hurricane claims typically involve large losses, and insurers may scrutinize every part of your submission. It takes time, expertise, and persistence to fully document all damages, negotiate supplements, and ensure you’re not underpaid for hidden or overlooked repairs.
In short: hurricane claims are complex, time-consuming, and highly technical, and having someone experienced in policy language, construction, and claim negotiation can make the difference between a partial payment and a full recovery.
At Paragon, we have the expertise needed to protect one of your most precious assets
We Work Only for You, the Homeowner — Not the Insurance Company
Insurance company adjusters are there to protect the carrier’s bottom line. As public adjusters, we work exclusively for policyholders. Our job is to advocate for your best interests and ensure you receive the settlement you are entitled to under your policy.
Accurate Damage Assessment
Hurricane and wind damages can be complex and often hidden — from roof damage and water intrusion to structural issues and mold. We thoroughly inspect your property to uncover the full scope of damage, not just what is immediately visible.
Maximizing Your Settlement
Insurance companies may undervalue or deny portions of a claim. We prepare detailed, professional estimates and documentation to support the maximum settlement allowed by your policy.
Guidance Through a Complicated Process
Policy language can be confusing, and deadlines are strict. We handle the paperwork, negotiations, and communication with your insurance company so you can focus on recovery, not red tape.
Peace of Mind During a Difficult Time
After a hurricane, your priority should be protecting your family and restoring your property. We shoulder the burden of the claims process, ensuring you are treated fairly and your rights as a policyholder are protected.
In short: Paragon Public Adjusters will level the playing field against the insurance company, giving you a trusted advocate who ensures nothing is overlooked and every dollar you’re owed is pursued.
Contact us
Telephone: (352)816-6616
E-mail: Intake@ParagonPublicAdjusters.com
Contact us
Telephone: (352)816-6616
E-mail: Intake@ParagonPublicAdjusters.com
Serving East, Central, North, and West Florida

