Wind Before Water
Roof, openings, exterior, and structural damage occurring before surge arrival.
Florida Claims We HandleFlorida
Florida
Storm surge claims turn on
cause and timing.
Coastal catastrophes can combine surge, waves, wind, rain, and debris. The sequence of damage may determine which policy or coverage applies. Our licensed Florida public adjusters apply this process to property losses throughout the state.
20+ YearsInsurance Claims
Experience
Experience
Multi-StateRepresentation
$50 Million+Recovered
No RecoveryNo Fee
Complete claim documentation
Every affected part of the loss deserves attention.
A surge loss is not simply a waterline. Wind may damage the structure before water arrives, while surge can cause separate foundation, interior, contents, mechanical, and debris-related damage.
UCAG organizes photographs, weather information, property evidence, eyewitness accounts, estimates, and policy terms to document what happened and when.
What a complete review may include
The damage may extend beyond what is immediately visible.
Applicable coverage depends on the cause of loss, the policy, and the documented facts.
Foundation & Structure
Scour, movement, collapse, framing damage, and displaced building components.
Interior Water Damage
Walls, floors, cabinetry, insulation, electrical, mechanical, and finishes.
Contents & Inventory
Household belongings, appliances, equipment, stock, and business property.
Debris & Contamination
Removal, cleaning, demolition, sanitation, and safe access concerns.
Multiple Policies
Coordinating documentation relevant to wind, property, and separate flood coverage.
Storm surge is generally treated as flood and is commonly excluded from standard property policies. Separate flood coverage may apply. Wind and other covered damage may still require an independent cause analysis.
Cause. Scope. Documentation.
The details determine how the claim should be presented.
UCAG organizes photographs, weather information, property evidence, eyewitness accounts, estimates, and policy terms to document what happened and when.
We review the available policy and evidence before explaining what appears supportable. We do not assume coverage, promise a result, or force every loss into the same template.
View All Claim Types →Could your claim be incomplete?
Watch for these warning signs.
All damage was attributed to surge without considering pre-surge wind effects.
The carrier relied on a general storm narrative instead of property-specific evidence.
Foundation or structural movement was not evaluated.
Wind and flood carriers each attributed the loss to the other cause.
Contents and contamination costs were estimated without a complete inventory.
The claim was adjusted before the sequence of damage was established.
The UCAG approach
We build the claim around the evidence.
Policy Review
We identify relevant coverages, limits, deductibles, duties, and deadlines.
Damage Inspection
We document affected areas, related damage, and items requiring further evaluation.
Claim Preparation
We organize estimates, photographs, inventories, reports, and supporting records.
Carrier Advocacy
We present the claim, answer questions, and negotiate disputed scope and value.
UCAG does not guarantee coverage or a particular outcome. Every claim depends on its policy, facts, documentation, deadlines, and applicable law.
A free service for every policyholder
Know What Your Policy Covers Before You Need It
You do not need an active claim to ask for help. We offer a free policy review to explain important strengths, limitations, deductibles, and exclusions in plain language.
- Review an existing home or commercial policy
- Compare multiple policies while shopping for coverage
- Request a written summary after your consultation
Free Policy Review
Insurance companies understand every line of your policy. You should too.
Schedule a complimentary call with our team. There is no obligation and no claim is required.
Schedule My Free Review →You Pay Nothing
Unless We Win.
Schedule your free consultation today.
✓No Fees Unless
We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery
We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery
▣ Schedule Your
Free Consultation☎ (727) 579-0000Florida Mailing Address
PO Box 55369
St. Petersburg, FL 33732
Free Consultation☎ (727) 579-0000Florida Mailing Address
PO Box 55369
St. Petersburg, FL 33732