
Hurricane & Storm Surge
Wind and surge are separate perils under separate policies. We establish the sequence and the water line, because an unproven causation argument is a denied claim.

Property Damage in Sarasota?
Southwest Florida has taken the worst of two storms in three years — Ian in 2022 and Milton making landfall near Siesta Key in 2024. Both left the same argument behind: was it wind or was it surge? Policies treat those as different perils with different coverage, and the answer decides the claim. Five Star's licensed public adjusters work that question from our Sarasota office.
Call Our Sarasota Team: (941) 202-2343
Insurance companies have a team working to minimize what they pay you. You deserve the same expertise on your side.
Five Star’s public adjusters step in immediately after a loss to manage every aspect of your claim — from documentation to negotiation — so nothing gets left on the table.
On this coast the fight is usually causation, not damage. Everyone agrees the property is wrecked; the dispute is which peril did it, because that is what decides who pays.

Wind and surge are separate perils under separate policies. We establish the sequence and the water line, because an unproven causation argument is a denied claim.

Tile and shingle uplift that reads as cosmetic to a desk adjuster, and the interior damage underneath it that gets separated out and underpaid.
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