A hurricane can damage your property through wind, wind-driven rain, and flooding all at once. Your insurance does not see them as one event. Wind is covered by your homeowners policy. Flooding usually is not; it requires a separate flood policy. That line is exactly where hurricane claims get underpaid, delayed, and denied.
Wind damage rarely announces itself either. Lifted shingles, displaced flashing, and stressed roof decking let water into the structure long after the skies clear, and it surfaces weeks later as stained ceilings, warped framing, and mold. Insurers frequently scope hurricane losses from the ground or from what’s visible at a glance, missing the structural and water damage underneath.
Add hurricane and named-storm deductibles (which along the North and South Carolina coasts are often a percentage of your dwelling coverage rather than a flat dollar amount) and the gap between what you’re owed and what you’re offered can run into the thousands.
If your hurricane claim has been underpaid, partially denied, slow-walked, or split in ways that don’t reflect the actual damage, that’s exactly the kind of dispute we resolve. We document the full scope of wind and water damage, untangle the coverage and causation questions, and build the kind of claim file that supports a fair settlement.
We are public adjusters — licensed insurance professionals who work exclusively for property owners, never for insurance companies. We handle the inspection, the documentation, and the negotiation so your settlement reflects the true cost of putting your property back together.
We represent homeowners, commercial property owners, and real estate investors dealing with hurricane insurance disputes across North Carolina and South Carolina.
Roof and structural wind damage, water intrusion behind walls and ceilings, wind-driven rain disputes, additional living expenses while your home is uninhabitable, and settlements that only covered the visible surface. We document the full extent of storm damage your insurer's drive-by inspection missed.
Roof systems, building-envelope and structural damage, equipment and inventory losses, tenant displacement, business income and extra-expense claims during repairs, and code-upgrade requirements triggered by the rebuild. We document commercial hurricane losses at the scale and detail your claim requires.
Storm-damaged rental units that can't be occupied, lost rental income during repairs, tenant relocation costs, and a repair scope that meets habitability and code standards. We make sure your claim reflects the full financial impact, not just the visible damage.
Understanding how StormPro Public Adjusters helps policyholders like you with property insurance claims.
It matters because the two are covered differently. Wind damage falls under your homeowners policy, while flood damage typically requires a separate flood policy.
After a hurricane, insurers often attribute as much damage as possible to flooding to limit what they owe under your wind coverage. When wind and water both contributed (which is common) documenting and separating the causes is critical, and it’s exactly what we do.
Often, yes. Wind can lift and loosen roofing without leaving obvious surface damage, allowing water in that doesn’t show up until later.
The challenge is connecting that delayed interior damage back to the storm.
We document the wind damage to the roof system and the resulting water intrusion so the link is clear.
Many coastal North and South Carolina policies carry a separate hurricane or named-storm deductible calculated as a percentage of your dwelling coverage rather than a flat amount, which can come to thousands more than your standard deductible.
We confirm the deductible is being applied correctly and that your claim is valued accurately, so a high deductible isn’t used to minimize an otherwise valid loss.
In most cases, yes. An initial payment is rarely a final settlement, and accepting one does not automatically close your claim or waive your right to additional payment for damage that was missed or undervalued.
If the true scope of damage is larger than the estimate the payment was based on, the claim can be reopened and supplemented.
Just be cautious of any document that describes a payment as a full and final settlement or release; have it reviewed before you sign.
We work on a contingency fee basis — a percentage of your claim settlement — so there are no upfront costs for our claims adjustment services.
Our fee follows regulations, and it’s discussed during your initial consultation and clearly outlined in our agreement before you commit to anything.
Whether you have a new loss, a claim that needs help, or simply want to understand your options, we're here to answer your questions. Fill out our claim review form, or reach out directly. No obligation. No pressure.
