Please be patient w/ me this is long and I apologize beforehand. Our adjuster will be here on Wed. and I want to be informed of what might I expect. We were hit by three hurricanes in six weeks. Charley passed through w/ cat 1 winds. Frances mowed through w/ cat 2 winds. Jeanne plowed in with cat 3 winds. We didn 't file any claims for Charley. We had some damage but it wasn't enough to meet our 2% deductible and I didn't honestly think they were major losses. Our contractor came out to see about a leak that sprung in the kitchen but the ceiling board wasn't wet so he chalked it up to a dye from humidity (or something ). Same leak with Frances and I took digital photos of the water coming in at the same place. Insurance adj. said it was probably from the ridge vent being raised by the wind and the water forcibly entering. Ceiling board wasn't wet so he covered us for painting the ceiling. After Jeanne there is mold on the ceiling around the same area the water had been coming in. I think the insulation is probably wet. The ridge vent was beaten off track (during Jeanne) by something flying into it and we got water in the master bedroom and bath as well. There are too many damages to list but one of my questions is: can there be a combined effect on our 25 year roof? We've lost shingles w/ each hurricane and this last one we lost a large section about 10 x 10 and many individual shingles scattered throughout. Many are in place but bent. I think our roof will not last the 22 years it has left after so much wind damage. Can I reasonably ask for roof replacement? The carpet wasn't something I claimed on Frances because it was not a major thing but now with the water from the ceiling, water through the windows, and water through the doors, it is something I am going to claim this time. There is mold on the walls around the floor and mold in the wood beneath. It will be the same adjuster and I thought he was an honest and fair and knowledgeable person before. Can anyone help me understand how insurance might treat something like three hurricanes culmulative damage? I know I have yet another deductible but what about the continuation of damages fom one hurricane to the next? I discovered mold around windows I rarely open this week- don't know when that happened. Can I claim what I didn't know about after Frances or what was worse after Jeanne, all under Jeanne? I hope this made sense. Thanks.