Super Claims Adjusting

Super Claims Adjusting Property damage can be traumatic. We don't get paid until the claim gets paid.

We mostly handle residential and commercial property damage insurance claims on your behalf so you can relax for the entire process.

🌪️ **CLAIMS CORNER: When Two Storms Hit, Which One Caused the Damage?**This Florida property was hit by **two hurricanes...
08/13/2026

🌪️ **CLAIMS CORNER: When Two Storms Hit, Which One Caused the Damage?**

This Florida property was hit by **two hurricanes**.

🌊 Hurricane Helene caused flooding.
💨 Hurricane Milton later caused wind damage to the roof.

When we documented broken roof tiles and resulting ceiling damage from water entering above, the insurance company still denied liability for the wind and ensuing water damage, attributing it to flooding.

That raises an important insurance question:

**Just because a home flooded, does that mean ALL of the water damage came from the flood?**

Not necessarily.

When multiple causes of damage are involved, documenting **how the damage happened** can be just as important as documenting what was damaged.

In this case, the dispute eventually went to Florida DFS mediation, where the homeowners chose to accept a **$30,000 negotiated settlement** rather than proceed to litigation.

🏠 **This week's Claims Corner lesson:**
**Don't just photograph the damage. Document the story of how the damage occurred.**

Read the full article to learn why causation can become so important in hurricane insurance claims:

👉 **https://superclaimsadjusting.com/latest-from-us/f/when-two-storms-hit-proving-hurricane-wind-vs-flood-damage**

In our latest blog we discuss why documentation alone doesn't always work after a loss. https://lnkd.in/eJRXZTZG
07/14/2026

In our latest blog we discuss why documentation alone doesn't always work after a loss. https://lnkd.in/eJRXZTZG

❌ **"It's just wear and tear."**That's one of the most common reasons insurance companies deny roof claims after a winds...
06/30/2026

❌ **"It's just wear and tear."**

That's one of the most common reasons insurance companies deny roof claims after a windstorm.

But here's the important question:

**Was the damage actually caused by age—or did wind cause the damage?**

Recently, our Georgia office helped a property owner whose roof claim was initially denied because the insurance company concluded the damage was due to normal wear and tear.

After a detailed inspection and additional documentation, the insurance company agreed the roof had sustained **covered wind damage** and settled the claim.

The settlement wasn't for a full roof replacement because the policy insured the roof on an **Actual Cash Value (ACV)** basis. With a roof that was approximately 20 years old, depreciation significantly affected the amount payable under the policy.

The takeaway? **Coverage and valuation are two different issues.**

A roof can be damaged by a covered wind event, but the amount paid depends on the terms of your insurance policy.

If you've received a denial for a roof claim, don't automatically assume that's the final answer. A professional evaluation may uncover evidence that changes the outcome.

📖 Read our latest blog, **"Wind Damage vs. Wear and Tear: Understanding Roof Insurance Claims,"** to learn:
✔️ How insurers distinguish wind damage from wear and tear
✔️ Why roof age doesn't automatically eliminate coverage
✔️ The difference between ACV and Replacement Cost Value (RCV)
✔️ What homeowners should know before accepting a claim decision

👉 Read the full article here: https://superclaimsadjusting.com/latest-from-us/f/wind-damage-vs-wear-and-tear-understanding-roof-insurance-claim

Have questions about a property insurance claim? Contact **Super Claims Adjusting** to discuss your situation.

🚨 **Did you know hail damage isn't always visible?**A Central Florida (Davenport) homeowner thought their roof was in go...
06/26/2026

🚨 **Did you know hail damage isn't always visible?**

A Central Florida (Davenport) homeowner thought their roof was in good shape—until a professional inspection revealed extensive hail damage.

📋 After a thorough evaluation and documentation of the loss, the insurance claim ultimately settled for **more than $65,000**.

The biggest takeaway? **Not all storm damage is obvious.**

Even if your roof isn't leaking today, hail can weaken shingles and shorten the life of your roof, leading to costly problems down the road.

If your neighborhood has experienced a recent hailstorm or severe weather, it's worth having your property inspected before small issues become major repairs.

In our latest blog, we explain:
✅ How hail damages a roof
✅ Why homeowners often miss the signs
✅ What to do after a storm
✅ How proper documentation can make a difference during the insurance claims process

👉 Read the full article here: https://superclaimsadjusting.com/latest-from-us/f/florida-hail-damage-claim-settled-for-over-65000

If you have questions about a property insurance claim, Super Claims Adjusting is here to help.

📞 (352) 366-9611
🌐 https://superclaimsadjusting.com/

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1084 CAVENDER CREEK Road
Minneola, FL
34715

Telephone

+13523669611

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