February 2026 Newsletter
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 Carolina's
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
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
