ClaimCave

Hurricane Claims

Hurricane and tropical storm damage

Citizens Property Insurance paid only $48,200 on my Florida hurricane claim after Hurricane Helene caused $186,400 in documented wind and storm-surge damage to my single-family home in Pinellas County in 2024 because the carrier asserted the damage was caused by flood (excluded under the policy) rather than wind. Forced $172,800 supplemental settlement using the wind versus flood causation analysis, the anti-concurrent causation clause challenge, and the Florida appraisal and bad-faith framework. The five-element approach to Florida hurricane claim causation disputes

Posting this because wind versus flood causation disputes on Florida hurricane claims are one of the most common policyholder underpayment patterns in the catastrophic property claims industry, and...

Posted by anxiousresident302•
6 comments

Citizens Property Insurance denied my Florida hurricane claim after Hurricane Idalia in 2023 caused $312,000 in combined wind, wind-driven rain, and storm surge damage to a coastal home in Pinellas County because the carrier attributed all damage to excluded flood and storm surge causation. Forced $284,000 supplemental payment using the concurrent causation doctrine, the efficient proximate cause analysis, and the Cat fund exposure framework. The five-element approach to wind-versus-water causation disputes in Florida hurricane claims

Posting this because wind-versus-water causation disputes are the single largest source of policyholder underpayment on Florida hurricane claims, and the framework for forcing carriers to pay covered...

Posted by curiouspolicyholder528•
7 comments

Citizens Property Insurance tried to depreciate my $187k hurricane roof claim down to $94k by applying a 'matching exception' and labor depreciation on a roof less than 6 years old. Won full RCV recovery in 9 weeks under the Florida matching statute and the 2022 labor depreciation case law. Walking through the appraisal demand and the policy provisions

Sharing this because hurricane roof claims in Florida are systematically underpaid through a combination of matching denials, labor depreciation, and ACV holdback abuses, and the recovery framework is...

Posted by confusedseller627•
8 comments

Allstate denied my hurricane Ian claim in Punta Gorda Florida saying the roof damage was 'wear and tear' and the interior water damage was 'maintenance.' Hired a public adjuster who got the claim re-opened and settled for $187,400 after engineer report. Worth every penny

Sharing the full timeline because the wear-and-tear denial is the single most common tactic Florida carriers used after hurricane Ian and the path to overturning it is not obvious. My house is a 1998...

Posted by stressedClaimant789•
9 comments