Every Elevation & Slope
Wide shots of all four sides of the building and every roof slope you can safely capture — before a single tarp goes on.
Hurricane damage insurance claims in Florida, fought to full value
The storm is the first fight. Your insurance company is the second. Armada's licensed public adjusters document every square foot of hurricane and wind damage — from lifted shingles to the water hiding inside your walls — and negotiate until the settlement reflects what rebuilding actually costs.
01
Wind Damage
The damage you can see — and the damage you can't
Hurricane-force wind peels shingles, tears soffit and fascia off the eaves, flattens fences, shreds pool screen enclosures and drives rain into every opening it creates. That's the visible loss. The expensive part is usually what you can't see yet.
Creased shingles that fail in the next thunderstorm. Moisture trapped in wall cavities and attic insulation. Stains that bloom on ceilings weeks after landfall. Our adjusters inspect for the hidden damage that surfaces later — and get it into the claim before the carrier closes the file. Roof taking the worst of it? See our roof damage claim guide.
02
After Landfall
Why carriers lowball after a hurricane
After landfall, your insurer is staring at tens of thousands of claims at once — and every fast, cheap settlement protects their bottom line. Desk adjusters price roofs from photos, blame storm damage on "wear and tear," and miss entire trades from the estimate. The first check is an opening move, not a final answer.
Hurricanes also blur the line between wind and water. Wind-driven rain through a storm-opened roof is a homeowners claim; storm surge and rising water belong to a separate flood policy — and carriers love pointing at whichever policy isn't theirs. We sort the damage onto the right claim so nobody gets to shrug it off.
The clock is running
One year. Then it's gone.
Florida law puts a hard deadline on every hurricane damage insurance claim — and it starts sooner than most homeowners think.
1 year to report a new claim
Under Fla. Stat. 627.70132, your insurer must receive notice of a new property claim within 1 year of the date of loss.
The hurricane clock starts at landfall
For hurricane claims, the date of loss is generally the date the storm made landfall — not the day you finally spot the leak.
18 months for supplemental claims
Found more damage after the payout? Notice of a supplemental claim is due within 18 months of the date of loss.
Hidden damage doesn't wait politely
Wind damage keeps revealing itself for months. Report early so late-surfacing damage stays inside your claim window.
Deadlines are the carrier's favorite defense.
If your notice lands late, the insurance company can bar the claim no matter how real the damage is. Get the full breakdown in our Florida hurricane claim deadlines guide — then get your claim moving.
Start your claim today
Evidence first
What to photograph before you tarp
Tarping the roof is your duty — your policy requires you to protect the property from further damage. But the camera comes first. These photos are the spine of your hurricane claim.
Close-Ups of the Damage
Lifted and creased shingles, bent flashing, torn soffit and fascia, downed fences, shredded screen enclosures, broken windows.
Interior Water Intrusion
Ceiling stains, wet drywall, soaked flooring and dripping fixtures — with timestamps, room by room, as they appear.
Receipts & Living Expenses
Tarps, plywood, emergency repairs — plus hotel and meal receipts if you can't live at home. ALE coverage can reimburse them.
How it works
How Armada handles your hurricane & wind claim
Four steps, one mission — the maximum settlement your policy allows.
1
Free Storm Inspection
We inspect the roof, attic, interior and property line at zero cost. Based in Spring Hill, serving all 67 Florida counties.
2
Policy & Deadline Review
We read your policy, confirm your notice deadlines, and map every coverage that applies — structure, contents and ALE.
3
Full Documentation
Photos, moisture readings and line-item estimates that capture the hidden wind damage a drive-by inspection misses.
4
Negotiate & Escalate
We press the carrier for full value — and when the number's still wrong, we know exactly how to escalate, appraisal included.
Hurricane claim FAQ
Storm claim questions, answered straight
Under Florida Statute 627.70132, your insurer must receive notice of a new claim within 1 year
of the date of loss — and for hurricanes, the date of loss is generally the date the storm made
landfall. Supplemental claims must be noticed within 18 months. Miss the window and the carrier
can bar the claim entirely, so report early — even if you're still discovering damage.
No — wind and flood are separate policies. Wind-driven rain that enters through a storm-opened
roof or window belongs to your homeowners (wind) claim, while rising water and storm surge belong
to a separate flood policy. Many hurricane losses involve both, and carriers use that line to
point at the other policy. We document which damage belongs where so neither insurer shortchanges you.
Yes. Your policy requires you to protect the property from further damage, and tarping does
exactly that. But document everything first — photos and video of every roof slope, elevation
and interior stain — and keep every receipt for tarps, plywood and emergency labor. Those
mitigation costs are part of your claim.
Nothing up front — the inspection is free and we work on a state-capped contingency fee under
Florida Statute 626.854: up to 20% of what we recover on standard claims, and no more than 10%
on claims from a Governor-declared state of emergency filed within one year of the declaration.
If we don't recover, you don't pay a fee.
Related claims
Storms rarely stop at one kind of damage
Roof & Hail Damage
Lifted shingles, hail hits and "wear and tear" denials — the roof claims carriers fight hardest.
Roof claim guideFlood Damage
Storm surge and rising water play by different rules — a separate policy with its own deadlines.
Flood claim guideDenied & Underpaid Claims
A lowball hurricane settlement isn't the end of your claim — it's where our fight usually starts.
Reopen your claimThe storm did the damage. Don't let the carrier do more.
One free inspection is all it takes to find out what your hurricane claim is really worth.
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