Hurricane Claims

Hurricane Damage Claims

Hurricanes can devastate properties with powerful winds, flooding, and relentless rain. In their wake, homeowners and businesses often face severe damages, including roof destruction, water damage, mold growth, and structural issues like wood rot.


While hurricane insurance policies are supposed to provide relief, some unethical insurance companies often deny or minimize payouts, leaving property owners to cover enormous repair costs to their home.


At Gustin Law, we’re dedicated to holding insurers accountable and ensuring you receive the full compensation you deserve after a hurricane.

Common Issues in Hurricane Insurance Claims

Insurance companies may try to limit payouts on hurricane claims through various strategies. Here are some common issues:

Wind Damage vs. Flood Damage Disputes

Hurricanes bring both wind and water damage, but insurance companies may base an insurance claim denial on lack of coverage if your policy only covers wind for example. They often argue that water damage is excluded, even when it’s caused by a hurricane.

Mold and Rot Exclusions

Water damage from flooding can quickly lead to mold growth and wood rot, which threaten the structural integrity of your property. Unfortunately, insurers often avoid paying and refuse to cover these issues, claiming they are due to a lack of proper maintenance.

Insufficient Documentation Claims

Insurance companies may argue that there isn’t enough evidence to support the full extent of the damage, especially for hidden problems like mold or rot that develop over time.

Lowball Settlement Offers

Insurers may offer settlements that don’t come close to covering the true cost of repairs, leaving property owners with high out-of-pocket expenses.

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Why You Need Gustin Law After a Denied or Underpaid Hurricane Claim

When insurance companies refuse to cover the full extent of your hurricane damage, Gustin Law is here to fight for your rights and secure the compensation you deserve:


  • Experience with Hurricane Claims: We understand the tactics insurers use to deny or minimize hurricane claims. Gustin Law will thoroughly review your policy and gather evidence to challenge low offers or unfair denials.
  • Thorough Damage Assessment: Our team ensures that all damages, from wind and flooding to mold and rot, are fully documented. We work with experts to assess hidden and long-term damage, making a strong case for comprehensive coverage.
  • Relentless Negotiation and Representation: Gustin Law handles all communication with the insurance company on your behalf. We negotiate aggressively to ensure you’re compensated fairly, and if necessary, we’ll take your case to court to secure the full value of your claim.
  • Support Every Step of the Way: We know that after surviving a hurricane, denied valid claims are stressful. At Gustin Law, we’re here to guide you through the entire process, providing you with updates and support at every stage.

Steps to Take After Hurricane Damage


If your property has suffered hurricane damage, taking the right steps can protect your rights and strengthen your claim:


  1. Document All Damages: Take photos and videos of visible damage, including water intrusion, wind damage, mold, and structural issues. Keep receipts for any temporary repairs.
  2. File Your Claim Promptly: Hurricanes often affect large areas, which can slow down the claims process. File as soon as possible to prevent delays.
  3. Request a Detailed Explanation if Denied: If your homeowner’s insurance denies your claim or you receive a low settlement, ask for a written explanation from the insurance company.
  4. Contact Gustin Law: Reach out to us as soon as possible. Our team will review your policy, assess the damage, and develop a strategy to pursue full compensation.

Don’t Let Insurance Companies Shortchange You—Contact Gustin Law Today

If your hurricane insurance claim has been denied or underpaid, contact Gustin Law for a free consultation. We’re committed to fighting for fair compensation, so you can focus on rebuilding and moving forward. Let us handle the legal complexities while you concentrate on recovery.

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