Insurance Claim Navigator

Hurricane / wind damage

Damage caused by hurricane winds, named-storm gusts, or wind-driven debris to your roof, structure, or interior.

What this usually means for coverage
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How to read the coverage note
This is a plain-language, general read on how this kind of loss is usually treated in Florida — not a ruling on your specific policy. Your declarations page and endorsements decide what you actually bought. Informational only, not legal advice.

Usually covered under a standard Florida homeowners policy — but subject to a separate, percentage-based hurricane deductible that is far larger than your normal deductible.

Your documentation checklist
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How this checklist works
Check off each document as you gather it. Your progress, loss date, and notes are saved only on this device — nothing is uploaded or sent to your insurer. Refreshing the page keeps your work; clearing it removes it for good.

Saved on this device only

Documents gathered

What this percentage means

The share of the checklist you have marked as gathered (0 of 5). It is a completeness gauge, not a score of whether your claim will be paid.

Date-stamped photos of all damage (wide shots + close-ups)
Roof, interior ceilings/walls, and exterior elevations
Receipts for emergency repairs — and keep the damaged materials
Room-by-room inventory of damaged contents
A copy of your policy declarations page (shows your hurricane deductible)

Date of loss

Why the loss date matters

Florida reporting windows run from when the damage happened. We show days elapsed so a looming deadline is impossible to miss. This date stays on your device.

Your private notes

Copy link shares only the claim type — never your checklist, dates, or notes. Those stay on this device.

Deadline — do not wait

Florida law sets a hard window to report a new or reopened hurricane claim — report promptly and do not wait for repairs to begin.

If this claim is denied, build your appeal here.

Verifiable record

guidance-receipt.log

$ navigator guidance --type wind
claim_type : Hurricane / wind damage
issued_at  : 2026-08-06T03:26:50.949Z
sha256     : 51f4515eb8b1e8fdd94488d3a58f3f4a60c8ab160aa5bc8d89c808b02482fc13
status     : record sealed — informational only

This SHA-256 fingerprints the exact guidance you were shown, so you can prove later what you read and when. Nothing is sent to your insurer; nothing is stored about you.

Ask AI

AI can be wrong. Not medical, legal, or financial advice.

Informational, not legal advice. Every policy is different — read your own declarations page and, for a disputed or high-value claim, talk to a licensed public adjuster or attorney. This tool does not contact your insurer or store your claim.

Claim type

Your documentation checklist?How this checklist worksCheck off each document as you gather it. Your progress, loss date, and notes are saved only on this device — nothing is uploaded or sent to your insurer. Refreshing the page keeps your work; clearing it removes it for good.

Verifiable record

Ask AI

Your documentation checklist
?
How this checklist works
Check off each document as you gather it. Your progress, loss date, and notes are saved only on this device — nothing is uploaded or sent to your insurer. Refreshing the page keeps your work; clearing it removes it for good.