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 Claims

Ice dams causing roof and interior water damage

Wind damage from winter storms

Heating system failures leading to secondary damage

Coverage Considerations

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 & NJ

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 Claims

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 Considerations

Wind vs. water causation disputes

Prior damage exclusions

Roof surfacing and depreciation issues

How Hillis Helps in the 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 Claims

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 Considerations

Windstorm deductibles and exclusions

Strict timelines for claim reporting

How Hillis Helps in Florida

Policy review before reporting a loss

Assistance with roof and water claims prior to hurricane season

Claim readiness consultations for homeowners and HOAs