What may be affected
- Building materials and finishes
- Adjoining areas and concealed components
- Contents, systems, and personal property
- Temporary protective work
Florida · Storm, Wind & Hurricane Claims
After the wind stops, the claim begins.
Wind can affect roofing, openings, exterior systems, and interior finishes in one event. M&T helps policyholders document the complete loss and present the claim without overstating what the evidence shows.
Understand the loss
The facts and the damage path matter.
Connect exterior damage, interior effects, and the event timeline in one fact-based storm claim.
The source, timing, affected areas, and emergency-protection records help explain the facts without making coverage assumptions.
What to document
- Wide and close photographs before cleanup or removal
- Dates, conditions, and the damage path
- Receipts, estimates, measurements, and communications
- Removed materials and temporary protection
General information for policyholders. The policy, facts, and applicable evaluation control coverage and outcome.
Create a storm-loss timeline
Do not climb onto a wet or damaged roof or enter an unstable area. Use qualified professionals for emergency access and temporary protection.
- Photograph all sides of the building and the surrounding debris before cleanup when safe.
- Record when wind or rain began, when damage was discovered, and any immediate actions taken.
- Keep pre-loss inspections, listing photographs, maintenance records, and earlier roof documents.
- Save invoices and photographs for tarps, board-up, water extraction, and other temporary work.
- Separate damaged-property records from routine upgrades or unrelated maintenance.
- Preserve carrier estimates, engineering reports, inspection photographs, and written decisions.
How M&T helps with storm damage
We help the policyholder turn scattered storm evidence into a coherent presentation tied to the observed damage and policy process.
- Map the event
Establish the reported date, sequence, exterior conditions, interior effects, and emergency actions. - Inspect connected areas
Review roof, envelope, openings, interior rooms, contents, and available professional findings. - Document the scope
Organize photographs, measurements, estimates, invoices, and repair considerations by affected area. - Present the claim
Provide an organized submission and communicate through the adjustment process within our licensed role.
Storm-claim questions
Should I get on the roof to take pictures?
No. A damaged or wet roof can be dangerous. Photograph safely from the ground and use qualified professionals for roof access.
Does a hurricane deductible always apply after a bad storm?
No. Applicability depends on the policy language and the event. Review the declarations and endorsements rather than relying on an assumption.
What if the interior did not leak immediately?
Document when symptoms appeared and preserve all observations. Delayed discovery does not answer the coverage question by itself; the facts and policy must be evaluated.
Can M&T promise a larger settlement?
No. We prepare and present supported claims for policyholders. No public adjuster can guarantee coverage, timing, or a particular payment.
Consumer references
Serving Florida statewide
Licensed representation for the policyholder.
M&T works for the policyholder within its licensed public-adjuster role. Coverage and payment depend on the policy, facts, documentation, and claim process.
Firm license W887877 · Jose Theodoro Nunes Weber · License W784032
Statewide response
Start with the facts of your claim.
Phone and email are required so we can respond.
General information, not legal advice or a promise of coverage, outcome, or payment. Every claim is different.
