Disasters come in many forms, hurricanes, floods, fires, sinkholes, theft, and more, but the aftermath is always painful and overwhelming. These images showcase the real impact of unexpected events on homes and families.
Yes. Hurricane and tornado damage are typically covered under most property insurance policies, but coverage details vary. We carefully document storm-related damages, like roof leaks, structural damage, and debris impact, and ensure your insurer pays fairly.
Not always. Water damage from burst pipes, appliance leaks, or sudden accidents is often covered. However, damage caused by long-term leaks or poor maintenance may not be. Our team helps you identify the cause, review your policy, and file the correct type of claim.
Sinkhole damage can be devastating and complicated. Some policies cover sinkholes automatically, while others require additional coverage. We provide professional inspections, gather geological reports if needed, and negotiate with your insurer to cover structural and foundation damages.
Flood damage comes from rising external water (like heavy rain, rivers, or storm surge) and usually requires a separate flood insurance policy. Water damage, on the other hand, is often from internal sources such as plumbing or leaks. We help determine which type applies to your situation and guide you through the right claim process.
Most standard policies do not cover termite damage, as it’s considered preventable with maintenance. However, if termites cause hidden structural damage discovered during a covered event (like a collapse), there may be exceptions. We review your policy and explore possible claim options.
First, file a police report immediately. Then, document all damages and stolen property. Theft and vandalism are usually covered under property insurance. We help you organize evidence, file your claim, and recover the maximum possible settlement.
Fire and smoke damage can extend far beyond the visible burn area, affecting walls, ceilings, furniture, and air quality. We thoroughly assess all damages, including hidden smoke residue, to ensure your claim reflects the full extent of loss.
Yes, insurers sometimes minimize wind or hail damage, especially to roofs. Adjusters may classify damage as “wear and tear” instead of storm-related. Our experts perform detailed inspections, provide photographic evidence, and negotiate for proper coverage.
Call us for a FREE claim inspection: 813-774-7634
We also provide pre-loss and disaster planning for commercial properties, HOAs, and contractors across Florida.
Email: inquiries@hunterclaims.com
