It does not matter what part of Florida you live in. You are at risk for hurricane or tropical storm damage to your home. High winds and rain can cause devastating damage to the exterior and interior of your home. Storm damage can be significant, even if it is just a tropical storm.
Knowing what to do after a hurricane is just as important as what you do to prepare your home before the storm. All the steps you take before and after the event can have a significant impact on your hurricane damage claim.
Preparing For Home Hurricane Damage
Florida homeowners are encouraged to take every precaution before a storm arrives to protect their property. You should board up windows, put out sandbags around entranceways, and take other measures to secure your property. Additionally, you should make a video of the interior and exterior of your property before the storm and make sure that you know where your insurance papers are before the storm strikes.
Start your video with something that can officially document the date of the video. Then carefully walk around the exterior of your home, showing that there is no damage to your roof or other exterior areas. If you have already made storm preps like boarding up windows, make sure to show that in your video. Move to the interior and show everything, including your ceilings, to show that they are in good repair before the storm.
What Should You Do After A Hurricane?
There are three steps you should take to record the damage after a hurricane.
1. Make another video.
This time you are going to go through and record the exterior and interior of your home just like you did prior to the storm so that you can show the differences in the videos and the damage that occurred. You will also want to list personal items that may have been damaged as part of the storm. All of this information will be important for your hurricane damage insurance claim.
2. Take action to protect your home from further damage.
One of the main things that insurance adjusters like to use to reduce or deny hurricane damage claims is to say that the damage occurred after the storm. They will say that damage occurred in the storms that followed the hurricane or from not protecting your home.
Tarp your roofs and cover any damaged exterior areas with tarps or plywood. If you have excessive water inside your home, document the damage and your efforts to remove the standing water. Keep track of everything you do to protect your home from further damage – this is crucial information for your claim.
3. File an insurance claim as soon as possible.
The devastation of the storm may make you feel overwhelmed, but it is crucial that you file a hurricane damage claim as soon as possible after the storm.
When major storms hit a large area, it is not unusual for insurance companies to pay claims on a first-come-first-served basis. When you file a claim early, you stand a better chance of getting paid the full value of your claim.
Insurance companies have 14 days to respond to your initial claim for damage and then have 90 days to pay the claim in full. Of course, there are always exceptions, but this is the standard that they must follow to pay claims.
Florida Hurricane Lawyers at Landau Law
If you are having problems with an insurance company covering your hurricane home damage claim, speak with a hurricane claims attorney at Landau Law today. We offer free case consultations. Your attorney will help you get through the claims process and will ensure that the insurance company treats you fairly during this most trying time. Contact us today!
Hurricane Damage Blog Posts
Hurricane season in Florida typically spans from June 1st to November 30th each year. However, it's important to note that storms can form outside of this official season, so vigilance and preparedness should be maintained year-round. Florida, along with some...
In the aftermath of Hurricane Ian, Florida's insurance landscape has been marred by a concerning revelation. Recent data released by Commissioner Michael Yaworsky indicates that nearly 200,000 claims related to the hurricane have been closed without any payment. This...
Understanding the Time Limitations and Steps to Take for a Successful Hurricane Damage Claim in Florida Hurricanes can cause severe damage to homes and other properties, leaving individuals and families grappling with the aftermath of the disaster. If you're a Florida...
Hurricane Ian was one of the strongest storms ever to hit Florida and the United States. Many people suffered catastrophic damages, while some just needed minor repairs. Whatever the level of your loss, it is important to understand that your hurricane Ian insurance...
In 2022, Hurricane Ian made headlines for being one of Florida’s strongest and costliest storms ever. Recent estimates suggest that Ian caused an unbelievable $50 billion to $65 billion in insured damages after hitting land. This number has only been exceeded once in...
Hurricane Ian hit Florida with a ferocity that left homeowners and business owners scrambling to put the pieces back together. Insurance companies have provided help to some but not always with the level of support needed. Hurricane Ian victims face an additional...
Facing a hurricane as powerful as hurricane Ian is a heralding experience that leaves homeowners trying to pick up the pieces of their homes and lives. Sadly, many hurricane Ian insurance claims are being denied or undervalued. Insurance companies are doing this in an...
Hurricane Ian made history as one of the strongest storms to ever make landfall in Florida. With maximum wind gusts reaching an unfathomable 150 mph, everyone in the path of the storm likely felt its wrath. In the aftermath, you may be wondering whether it’s time to...