When a storm damages your home, you expect your insurance policy to cover the repairs. But many homeowners are shocked when their claim is denied because the insurance company claims there was no wind-created opening.
This loophole allows insurers to avoid paying for legitimate damage, leaving you stuck with out-of-pocket costs. But you don’t have to accept their denial.
At Panther Public Adjusting, we fight for homeowners across Orlando, Hialeah, and Fort Myers to get the coverage they deserve. Here’s what you need to know about wind-created openings, how to document your claim, and how to fight back when your insurance company says “No.”
What Is a Wind-Created Opening?
Some home insurance policies state that interior water damage is only covered if there is a wind-created opening.
📌 A wind-created opening occurs when storm-force winds damage your home’s exterior, allowing water to enter.
Common Examples of Wind-Created Openings:
✔ Lifted shingles – Storm winds break the seal of your shingles, creating an opening for water.
✔ Damaged siding – Wind tears off siding, exposing your walls to rain and moisture.
✔ Window frame gaps – High winds push windows inward, creating small gaps that let water seep in.
🚨 Insurance adjusters often try to claim that these situations aren’t wind-created openings—even when they clearly are!
Need help proving your claim? Call us now → (833) 726-8437
Why Do Insurance Companies Deny Claims Over Wind-Created Openings?
Insurance companies look for ways to minimize payouts, and the wind-created opening requirement gives them an excuse to deny legitimate claims.
How They Try to Deny You:
❌ “Your roof damage wasn’t from the storm—it’s wear and tear.”
❌ “There’s no visible hole, so it doesn’t count as a wind-created opening.”
❌ “Your windows weren’t shattered, so the water intrusion isn’t covered.”
📌 Many homeowners in Tampa, St. Petersburg, and Cape Coral have their claims wrongfully denied for these excuses. But you have rights, and with proper documentation, you can fight back.
See what your insurance policy really covers. Read more →
How to Prove a Wind-Created Opening & Get Your Claim Paid
Your insurance adjuster will look for any reason to claim your damage isn’t covered. Here’s how you can protect your claim:
✅ 1. Take Photos Immediately After the Storm
- Capture all visible damage to your roof, windows, siding, and doors.
- Take photos before making any temporary repairs.
✅ 2. Request a Professional Inspection
- Your insurance adjuster works for the insurance company—they might downplay the damage.
- A public adjuster works for you, ensuring your claim is fairly assessed.
📌 See how insurance companies reduce payouts using depreciation. Learn more →
✅ 3. Keep All Communication in Writing
- If your insurer denies your claim, ask for a written explanation.
- If they misrepresent the policy, you may have grounds to dispute their decision.
Don’t risk getting underpaid—let us handle your claim. Call now → (833) 726-8437
What to Do If Your Claim Was Denied Due to “No Wind-Created Opening”
If your insurance company denies your claim, don’t panic. You still have options!
✔ Step 1: Request a full copy of your insurance policy.
✔ Step 2: Have a public adjuster review your claim.
✔ Step 3: Gather additional evidence (photos, inspection reports, etc.).
✔ Step 4: File a formal dispute with your insurer.
📌 Many homeowners in Jacksonville, Kissimmee, and Palm Bay have had their denied claims overturned by taking these steps.
Not sure where to start? Let’s review your claim →
Protect Your Property & Know Your Rights
🔹 Don’t Let Your Insurance Company Take Advantage of You
If your policy requires a wind-created opening, don’t let the insurance company wrongfully deny your claim. Fight back with expert help.
🔹 Understand Your Insurance Policy
Most homeowners don’t realize how much fine print is in their policy. Know what you’re entitled to before a storm hits.
📌 Check out our in-depth guide on home insurance policies. Read more →
🔹 File Claims the Right Way
One of the biggest mistakes homeowners make is filing claims without proper documentation. This can lead to delays, reductions, or outright denials.
📌 Find out how filing a claim affects your policy. Learn more →
Want expert help before you file? Contact us today →
Final Thoughts: Get the Compensation You Deserve
Your insurance company wants to pay as little as possible—but you deserve full coverage.
✅ If wind caused your damage, your insurance should cover it.
✅ Don’t accept a denial without expert review.
✅ Work with a public adjuster to maximize your payout.
At Panther Public Adjusting, we help homeowners across Florida fight wrongful insurance denials. Whether you’re in Orlando, Tampa, St. Petersburg, Jacksonville, Kissimmee, or Palm Bay, we’re here to help.
📩 Submit your policy for review →
📞 Call us today → 833-726-8437
💬 Contact us online →
Don’t let your insurance company deny your rightful claim. Fight back today! 🚀