Wind
Roof, exterior and opening conditions after the storm.
Claims We HandleHurricanes
Hurricanes
One storm. Understand every part.
A hurricane can cause several kinds of damage at once. Wind, wind-driven rain, flood, and storm surge may involve different policy provisions or policies.
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Understand your claim
Separate the causes. Keep the full story.
A hurricane can bring wind, rain and rising water to the same property. Organize the sequence of events and the physical evidence so each part of the loss can be evaluated under the relevant policy.
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See the whole claim
Three parts of a clear record.
Water
Where water entered, its level and when it arrived.
Policies
Home, wind and flood coverage, with their separate terms.
Start here
Your next steps.
- 1
Follow local guidance
Return only when officials say the area is safe.
- 2
Record the sequence
Note storm timing, observed changes and when water appeared.
- 3
Document each area
Capture safe exterior views, affected rooms and belongings.
- 4
Organize every claim
Keep each policy, claim number, estimate and letter clearly identified.
Build a clear record
What should you document?
The timing and location of wind and water damage
Photos, weather information, mitigation records, and inspection findings
Applicable wind, named-storm, hurricane, and flood policy provisions
Protect people first and follow emergency instructions. Coverage, exclusions, deductibles, duties, and deadlines depend on the policy and applicable rules. A loss does not automatically establish coverage.
How UCAG helps
The policy. The damage. The documentation.
UCAG reviews the available policy and claim records, documents the reported loss, and helps policyholders understand disputed scope and payment questions. A review can address a new, denied, underpaid, delayed, or closed claim.
Look up claim terms → · Compare roofing types → · Browse all claims →
Preparedness & prevention
Prepare the household. Strengthen the home.
Plan supplies and evacuation early, and arrange building improvements well before a storm approaches.
Stock drinking water
Plan for at least 1 gallon per person per day, with a several-day supply; a week is a useful goal where local guidance recommends it. Add water for pets and individual needs.
Protect the openings
Consider properly rated impact-resistant windows or tested storm shutters installed for your location. Protect doors and garage doors too; ordinary glass is not impact protection.
Review the roof system
Ask a qualified contractor about roof-deck attachment, a sealed roof deck and wind-rated roof components. Review the attachment, water barrier and roof covering together.
Plan to leave when needed
Know your evacuation zone, destination and route. Keep medication, documents and pet supplies ready. Secure loose outdoor items before conditions deteriorate.
Shutters and roof improvements do not make a home safe from storm surge. Follow evacuation instructions even if the building has wind protection.
Safety guidance & further reading
Straightforward answers
Common questions.
Does a hurricane claim cover every kind of storm loss?
Not automatically. Wind and flood can involve different policies, exclusions and deductibles. Document the cause of each part of the loss rather than relying only on the storm name.
Where does storm surge belong?
Storm surge is coastal flooding. See the Flood page for that part of the event, while keeping the hurricane timeline and any wind evidence together.
Which deductible applies?
Check the policy and declarations for the trigger and calculation of any hurricane, named-storm or wind deductible. Do not assume it is a percentage of the repair estimate.
Further reading: National Weather Service: After a hurricane. State-specific guidance applies in its stated jurisdiction. Your policy and circumstances determine coverage.
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Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012
Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012