Wind Damage Claims

We have over-turned over mIllions of dollars in rejected claims with the help of our expert team.

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Even the newer roof can fall victim to wind. As wind varies in speed, it is so devastating. Damages to the property caused by this weather element and wind damage-associated perils present complicated issues to policyholders. As an experienced and reputable public adjuster, Four Elements Adjusters will determine and address underlying issues that your insurer and you may not understand. We can investigate every detail of the damage, file the most accurate claim, and ensure you receive the maximum payoff owed by your insurer. Our best strategy enables you to recover from severe weather in the least time possible.

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Our process

From Free Inspections to full restorations, Four Elements has you covered with our holistic approach.

Step 1


Step 2

Policy Review

Step 3


Step 4


Step 5


Step 6


Step 7

Capital Recovery

Step 8


Step 9

Final Settlement


How to know if I should file a wind claim?

Most advisably, you have damages validated BEFORE notifying your insurer to avoid a frivolous claim. There are no fixed rules on what is sure to cause the damage. For instance, damage can even result from gusts of 60 mph and 1-inch hail based on the surface affected by it.

How many shingles need to be missing for insurance?

Insurance policies tend to cover the use of like-kind roofing materials. Should your roof shingles have been discontinued and be unavailable anymore, the insurer will be responsible for replacing every shingle on your roofing system even if there is only one missing shingle.

Will a wind damage claim increase my premiums?

Usually, an “act of God” insurance claim will not raise your premium. But on the other hand, even if you do not turn in an insurance claim or are not affected by a big catastrophic storm, the rate will likely increase because many other people file claims.

What to do if I have a partially denied claim or a claim denial?

In this case, you are recommended to get Four Elements Adjusters to review the claim and offer a secondary coverage opinion.

How to know if a public adjuster is necessary on my wind damage claim?

Insurers tend to require thorough estimates written in a specialized piece of software. Also, unfortunately, many commercial property owners have a partially denied claim. Mastering Xactimate and having extensive insurance experience, Four Elements Adjusters make sure to close your claims professionally, promptly, fairly, and with reduced stress.

What if my insurer does not pay Overhead and Profit on my hail damage claim?

O & P (Overhead and profit) is a portion of your contractor bill. Sometimes, insurance companies do not pay this on the claim’s roofing portion because they consider it already part of the Xactimate estimate. Should your insurer not pay, there are ways to negotiate this lack of agreement. For details, do contact us.