What may be affected
- Building materials and finishes
- Adjoining areas and concealed components
- Contents, systems, and personal property
- Temporary protective work
Florida · Tornado & Extreme Wind Claims
When the damage path crosses the whole property, the claim must do the same.
Extreme wind can create structural movement, openings, impact damage, water entry, and widespread contents loss in minutes. M&T helps policyholders build one organized record after the immediate danger has passed.
Understand the loss
The facts and the damage path matter.
Document the damage path across structure, envelope, contents, debris, and emergency protection.
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.
Document only after the area is safe
Follow emergency-management and utility instructions. Do not enter a damaged building until responsible authorities or qualified professionals permit access.
- Use video to establish the overall path, then photograph each affected area.
- Record when the event occurred, where occupants were, and what was observed afterward.
- Keep emergency-response, structural, roofing, electrical, tree, and mitigation records separate and complete.
- Inventory damaged contents by room before disposal whenever safety allows.
- Track temporary housing, storage, transportation, and business expenses with receipts.
- Preserve pre-loss photos, inspections, maintenance records, and building plans when available.
How M&T helps after extreme wind
We help create order across a wide loss by organizing building, contents, expenses, professional findings, and carrier communications.
- Establish safe access
Work from official restrictions and qualified inspections before scheduling a detailed claim review. - Map the damage path
Organize exterior, structural, interior, contents, and debris evidence by location. - Coordinate the records
Connect emergency work, professional reports, inventories, estimates, and expenses. - Present the complete claim
Submit an organized package and continue claim communication within our licensed role.
Tornado-claim questions
When should I enter the property?
Only after emergency officials or qualified professionals say it is safe. Downed utilities and structural movement may not be obvious.
Should debris be removed immediately?
Remove hazards as directed, but photograph and inventory damaged property first when safe. Keep emergency and debris-removal records.
How do I handle many damaged rooms?
Work systematically: exterior overview, room-by-room photographs, contents inventory, temporary work, and a dated communication log.
Is tornado damage always treated separately from hurricane damage?
Not necessarily. Deductibles and provisions depend on the event and policy language. Review the complete policy and facts.
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.
