Originally published February 2026. Events, forecasts, and offers reflect this issue's publication date.

February brings different risks depending on where you live and work. At Hillis Adjustment Agency, our licensed public adjusters understand how regional weather patterns, building codes, and policy language impact both residential and commercial claims.

This month’s newsletter provides region-specific guidance and explains how Hillis supports property owners and contractors throughout the claims process.

February Loss Prevention Tips

  • Maintain consistent heat in cold regions
  • Inspect roofs and gutters after storms
  • Address small leaks immediately
  • Ensure commercial properties are checked daily during severe weather
  • Prevention helps reduce damage—but if a loss occurs, proper documentation protects your claim.

Pennsylvania and New Jersey

Winter conditions in PA and NJ continue to produce some of the most complex claims of the year.

Common February ClaimsPennsylvania and New Jersey

  • Ice dams causing roof and interior water damage
  • Wind damage from winter storms
  • Heating system failures leading to secondary damage

Coverage ConsiderationsPennsylvania and New Jersey

  • Long-term seepage exclusions may apply if damage isn’t reported promptly
  • Ordinance & Law coverage is critical for older homes and commercial buildings

How Hillis Helps in PA & NJPennsylvania and New Jersey

  • Thorough inspections identifying hidden moisture
  • Code compliance documentation for older structures
  • Coordination with plumbers, mitigation companies, and contractors
  • Support with supplemental and re-opened claims

The Carolinas

February in the Carolinas often brings a mix of cold snaps, heavy rain, and high winds.

Common February ClaimsThe Carolinas

  • Wind-driven rain intrusion
  • Roof leaks from storm-damaged shingles
  • Crawlspace flooding and moisture intrusion
  • Commercial Losses tied to weight of ice and snow damage or ice dam damage

Coverage ConsiderationsThe Carolinas

  • Wind vs. water causation disputes
  • Prior damage exclusions
  • Roof surfacing and depreciation issues

How Hillis Helps in the CarolinasThe Carolinas

  • Detailed cause-and-origin investigations
  • Roof and exterior damage documentation
  • Contractor coordination to align scope with coverage
  • Advocacy during partial denials or underpayments

Florida

While Florida avoids winter freezes, February remains an important preparation and recovery month.

Common February ClaimsFlorida

  • Roof leaks from wind events
  • Water damage from plumbing systems
  • Commercial Losses tied to weight of ice and snow damage or ice dam damage

Coverage ConsiderationsFlorida

  • Windstorm deductibles and exclusions
  • Strict timelines for claim reporting

How Hillis Helps in FloridaFlorida

  • Policy review before reporting a loss
  • Assistance with roof and water claims prior to hurricane season
  • Claim readiness consultations for homeowners and HOAs