Storm & Hurricane Damage claims in Maryland
Wind and water arrive together, but your policy treats them very differently. Insurers rely on that distinction and on high storm deductibles to reduce what they pay.
Clayem fee in Maryland
Risk-free15%
of the additional amount we recover above your insurer's offer
If we don't recover more than your insurer already offered, you owe nothing.
What insurers underpay on storm and hurricane damage claims
These are the line items we examine on every storm and hurricane damage claim. This is the coverage that is most often missed, depreciated, or excluded from the initial offer.
Wind vs. flood allocation
When both events occur, insurers blame the damage on the cheaper option. We document the real cause of each loss.
Hurricane deductible disputes
Percentage-based hurricane deductibles can be applied incorrectly. We check the trigger and the calculations.
Roof & building envelope
Lifted shingles and hidden breaches allow water to enter for months. Surface inspections often miss this.
Code-upgrade & matching
Replacing damaged parts can lead to code upgrades and matching requirements that the initial offer overlooks.
How a storm and hurricane damage claim works in Maryland with Clayem
Drop files or browse
Upload your claim
Describe your situation and upload your policy documents, insurer correspondence, and damage photos. This takes about 10 minutes.
Analyzing policy
42 pages scanned
AI analyzes your policy
Our AI checks every clause against your claim, finds any missed coverage, and creates a professional evidence package with policy citations.
Settlement recovered
vs $15,000 initial offer
Example for illustration only
We negotiate for you
A licensed public adjuster looks over the AI's work, approves the demand letter, and negotiates directly with your insurer until you receive what you're owed.