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Storm and Wind Damage Insurance Claims
Tornado, thunderstorm or fallen tree damage? Call us before you call your insurance company.
Our licensed public adjusters handle claims for homes and businesses.
Stuart Hymson
Public Adjuster
Michael Zebold
Public Adjuster
Micaela Villa
Public Adjuster
Alex Barquero
Public Adjuster
Arthur Camayd
Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Public Adjuster
Storm or tornado claim denied or underpaid?
Wind doesn’t have to be a hurricane to tear off shingles, drop a tree on the house or flatten a fence. Tornadoes, thunderstorms and straight-line winds do the same damage, and insurers push back on it the same way.
Our licensed public adjusters document what the storm did to the roof, walls, windows and everything around the house, and build the claim for all of it. The first review is free.
Sound familiar?
- They only paid for part of the roof.
- The fence and screen enclosure were left out.
- They won't pay to remove the tree.
- They called it old damage.
- The check won't cover the repair bids.
Storm claims get underpaid in the details. Call us before you accept their number.
What the insurance company says about storm damage
Wind claims draw the same few objections. Here’s how we answer them.
“Only a few shingles blew off.”
Wind breaks the seal under shingles that still look in place, and those lift and leak in the next storm. We check the whole roof, slope by slope, and document every creased, lifted and missing shingle.
“The fence and shed aren't part of this claim.”
Fences, sheds, carports, screen enclosures and detached garages are usually covered under other structures, a separate part of your policy with its own limit. We make sure they’re in the claim, not left off it.
“Tree removal isn't covered.”
Many policies help pay to remove a tree that hits the house or another covered structure, and to clear storm debris. We add those costs to the claim instead of leaving them on your bill.
“That damage was already there.”
Insurers point to age and earlier storms to pay less. We document what this storm did: fresh breaks, torn materials and damage that lines up with the wind, and show it in the claim.
Fighting for the policyholder
Blueprint Claims has settled over half a billion dollars in commercial and residential claims with 15 years in business. Don’t settle for less, get the money you deserve. Fight for your claim!
Private Equity Firm
Apartment complex
Lebanon, TN Homeowner
Insurance offered $9,984
Gibsonton, FL Homeowner
Insurance offered $5,449
Property Management
Condominium community
Does homeowners insurance cover tornado damage?
Usually, yes. Tornado and other wind damage is a covered cause of loss on most homeowners policies: the roof, siding and windows, the inside of the home once the wind opens it, other structures like fences and sheds, your belongings, and living expenses if you can’t stay in the house.
The fight comes after. Insurers underpay tornado claims by scoping only what they see from the ground, pricing the roof as a repair and leaving out other structures. We document all of it before cleanup starts.
Roof and siding
Other structures
Living expenses
A tree fell on my house. Who pays?
Your own homeowners policy usually pays for the damage to your house, even when the tree came from a neighbor’s yard, because the storm caused it. Many policies also help pay to remove the tree from the house. A tree that falls without hitting anything is often a different story.
Take photos before the tree is cut up and hauled off, and keep the tree service’s invoice. Then call us before you talk to the insurer.
Damage to the house
Tree removal
Photos first
The contractor's edge
Arthur Camayd, partner, is a licensed public adjuster with the SPPA designation, a licensed general contractor, and holds a degree in architecture.
We know how buildings are designed, how they are built, and how to spot the damage most people miss. On complex claims like fires with structural damage or hidden issues, that construction insight and policy knowledge lets us build a stronger claim and challenge a low offer with real authority.
Licensed general contractor
Degree in architecture
SPPA public adjuster
We don’t just estimate. We advocate.
How we handle your claim
Four steps, from the first call to the settlement check.
Free claim consultation
Tell us about your claim. We’re here to help.
Free property inspection
Leaving no stone unturned, we focus on the details.
We estimate & appraise
Don’t worry about having to gather various repair bids on your own.
We negotiate & settle
We don’t get paid unless you get paid.
What to know about a storm damage claim
Waiting to see what the insurance company does is how good claims run out of time.
Wind damage hides on the roof
The adjuster the insurance company sends works for them, and a quick look can miss wind damage. Have us document it before you settle for their number.
A denial isn't the last word
Insurance companies often deny claims as wear and tear, old damage or not covered. That letter is their side of the story, not the final word. The right proof can change it, but the window to act is short. Call us before you take no for an answer.
Once it's hauled away, it's hard to prove
Clear what’s dangerous, but take photos and video of the roof, the yard and every fallen tree before anything is hauled away. Once it’s gone, it’s your word against the insurance company’s. Call us first, and we’ll document it the right way.
Don’t wait to see what they do. Call today and let a licensed public adjuster review your options while you still have them. Your policy review is free.
Other claims we handle
General information, not legal advice.
Why hire your own public adjuster?
Every claim already has an adjuster. The insurance company’s adjuster works for the insurance company. A public adjuster works for you.
A guide through the entire claim process.
Help you understand your rights under the policy.
Navigating through policy endorsements and exclusions.
Document your damages in detail.
Estimating & valuing the TRUE cost of your loss.
Collaboration with experts to support your claim.
Negotiating & settling your claim.
Working with contractors to get you back to pre-loss condition.
Hiring your own adjuster pays for itself.
Meet the adjusters
“Our adjusters know how buildings are built, how policies are written, and how to get a claim to the finish line.”
Michael Zebold, SPPA
Firm Partner
Michael Zebold
Senior Public Adjuster
Arthur Camayd
Senior Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Senior Public Adjuster
See what our clients are saying
“Frank Nunez was extremely helpful in getting my claim overturned from a complete denial to a fully paid for roof.”
Ben Justice
“Frank worked for us, not the insurance company, and kept us informed along the way, which was also very helpful.”
Tom Maides
“Blueprint Claims did an excellent job. They are the ultimate professionals. After my initial meeting with Alex, he took care of everything.”
D K
“Impeccable work and very effective, from first inspection review to the last step”
Margarita Gomez
Questions about storm and wind damage claims
Answers to the questions homeowners ask us most after a storm.
Does homeowners insurance cover wind damage from a thunderstorm?
Usually, yes. Wind is a covered cause of loss on most homeowners policies, whether it comes from a hurricane, a tornado or a summer storm. Some policies carry a separate wind or hail deductible. Call us and we'll check how yours applies.
My storm claim was denied. What can I do?
Insurers deny wind claims as wear and tear, old damage or poor installation. We inspect the property ourselves, read the denial letter against your policy, and build the proof to turn it around. Call us before you accept it.
Do I have to wait for the insurance adjuster before making repairs?
Make the repairs that stop more damage, like a tarp on the roof or a board over a window, and keep the receipts. Most policies expect you to protect the property. Hold off on permanent repairs until the damage is documented. Call us first, and we'll make sure it is.
How do I know if my house has wind damage?
Look for missing or lifted shingles, shingle pieces in the yard, torn siding, cracked windows, leaning fences and new stains on the ceiling. Much of it can't be seen from the ground. Call us for a free review of the damage.
How much does a public adjuster charge?
You pay nothing upfront, and if we don't recover money, you owe us nothing. Our fee is a percentage of what we recover for you, set in writing before you sign, and never more than your state's law allows. Call, and we'll walk you through how it works on your claim.
Should I call my insurance company or a public adjuster first?
Call us before you call them. What you say on that first call can hurt your claim, and most policyholders don't know which words give the insurance company a reason to pay less or deny. We'll help you report it the right way, so call as soon as you find the damage.
My insurer already paid, but not enough. Is it too late to hire you?
You can hire us before you file, in the middle of a claim, or after the insurer pays too little. Many of the nearly 7,000 claims we've handled started just like yours. Don't sit on a low check, though: the deadlines to ask for more keep running. Call us now, while you still have time.
Are you lawyers? Do I need a lawyer or a public adjuster?
No. We're licensed public adjusters, not a law firm, and we don't give legal advice. We document the damage, write the estimate and negotiate with your insurance company. If your claim needs a lawyer, we work together with experienced property damage attorneys, and they rely on the file we've built. Call us first, so that file is built right from the start.
Call and a licensed adjuster will go over your claim with you. The review is free.
Connect with one of our licensed adjusters for a free claim consultation
What happens after you send this
A licensed adjuster contacts you We talk through your claim and answer your questions. The consultation is free.
We review your policy and inspect the damage Also free, with no obligation to hire us.
You decide whether to hire us If you do, we build the claim and negotiate with the insurer.
Let's discuss your claim!
We don’t get paid unless you get paid.
