Hurricane claims often involve some of the largest and most complex property losses, combining wind damage, water intrusion, and sometimes flooding, all of which can make the dollar value of the claim more difficult to agree on.
Because hurricanes frequently cause widespread damage across a large area, appraisers and contractors may be in high demand after a major storm, which can affect both availability and timelines for the appraisal process.
A common area of disagreement in hurricane claims is separating wind damage, which is typically covered under a standard property policy, from flood damage, which is often covered under a separate policy entirely. This distinction can significantly affect what is actually addressed through appraisal.
Roof damage, window and door damage, and water intrusion through storm damaged openings are all common categories of dispute in hurricane claims, often requiring detailed documentation to support each party’s position.
Given the scale and complexity many hurricane claims involve, working with an appraiser experienced in large, storm related losses can help ensure a thorough, well documented evaluation of the disputed amount.
This article is general education about how the appraisal process commonly works. It is not legal advice, and specific procedures can vary by state and policy. If you have questions about your own claim, review your policy language and talk with your insurance company, agent, or an attorney familiar with your state’s laws.
Russ Lis is a working property insurance appraiser and umpire based in Minnesota, serving clients nationwide. Have a question about your own claim? Contact Appraisal Resolution.