Property claims, explained plainly and handled carefully

• Flood & Water
• Fire & Smoke
• Hurricane
• Wind & Windstorm
• Hail
• Other Property Damage

Water damage

Flood & Water

Water damage often goes further than what you can see. Water can wick into walls, soak insulation, and rot subfloors and framing long after the surface looks dry.

Coverage depends on the source. A burst pipe or appliance leak is usually handled under a standard homeowners or commercial policy, while rising floodwater is typically covered by a separate flood policy. We help you sort out which applies and document the damage accordingly.

• Burst pipes, plumbing and appliance leaks
• Flood and storm-surge water
• Hidden damage to subfloors, drywall, insulation, and framing

Fire damage

Fire & Smoke

After a fire, the visible burn damage is only part of the loss. Heat can compromise framing and wiring in nearby rooms, and smoke and soot can travel through walls, ductwork, and contents.

We document structural damage, smoke and soot damage, and affected personal property, and we help you understand how your policy treats things like temporary housing — often called "additional living expenses."

• Structural fire damage to framing, roofing, and electrical systems
• Smoke, soot, and odor damage
• Contents and additional living expenses

Storm damage

Hurricane

Hurricanes can bring wind, wind-driven rain, flooding, and debris all at once — and different parts of that damage may fall under different policies or deductibles.

Many policies on the Gulf Coast carry a separate hurricane or named-storm deductible, often a percentage of the home's insured value. We explain how it applies to your claim and document roof, exterior, and interior damage together so nothing falls through the gaps.

• Roof, siding, window, and exterior damage
• Water intrusion from wind-driven rain
• Emergency repairs like tarping, and how to document them

Wind damage

Wind & Windstorm

Strong winds don't need a hurricane to do real damage. Lifted or missing shingles, torn soffits and fascia, and damaged siding can let water in and lead to bigger problems later.

Wind damage is sometimes dismissed as "wear and tear." John's construction background helps tell the difference and explain it clearly in the claim.

• Missing, creased, or lifted shingles
• Torn soffit, fascia, gutters, and siding
• Fallen trees and wind-blown debris

Roof damage

Hail

Hail damage can be hard to spot from the ground. Bruised or cracked shingles and granule loss may not leak right away, but they can shorten a roof's life.

Many policies set time limits for reporting hail damage, so it helps to have the roof inspected soon after a storm. We inspect, photograph, and document the damage so the claim reflects what is actually on the roof.

• Bruised, cracked, or dented shingles
• Granule loss and damaged roof vents or flashing
• Gutters, siding, windows, and other exterior surfaces

Interior damage

Other Property Damage

Not every loss fits neatly into a category. Collapsed ceilings, structural damage, vandalism, and other sudden events can all lead to an insurance claim.

Flood, fire, hurricane, wind, and hail are the most common — but if your property was damaged and you've filed, or plan to file, an insurance claim, we're glad to take a look.

• Ceiling and structural damage
• Interior losses that need demolition and rebuilding
• Residential, commercial, and managed multi-unit properties

All photos are from real Ripple client projects.

Deductible

The part of the loss you pay before insurance pays. Some coastal policies have a separate hurricane or named-storm deductible, often a percentage of the insured value.

Scope of loss

A detailed list of everything that was damaged and what it will take to repair or replace it.

Replacement cost vs. actual cash value

Replacement cost is what it costs to repair or replace with similar materials today. Actual cash value is that amount minus depreciation (wear and age).

Proof of loss

A formal, signed statement of what you're claiming. Insurers often require it within a set time frame.

Supplement

A request for additional payment when more damage is found after the original estimate — common once walls or floors are opened up.

Additional living expenses

Coverage that may help with extra costs, like temporary housing, if your home isn't livable during repairs.