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How to File a Property Damage Claim After a Hurricane

November 3, 2021

How to File a Property Damage Claim After a Hurricane

Although Florida enjoys year-round warm weather, it also frequently experiences tropical storms and hurricanes during the hurricane season that lasts from June 1 to November 30 each year. A major hurricane, defined as a Category 3 or greater hurricane, makes landfall in Florida at least once every few years. If you are a homeowner living in Florida, you need to understand how the insurance process works in the event you suffer property damage from a hurricane or tropical storm. 

Types of Damage Claims

Although Florida law does not require homeowners to purchase insurance for their property, many homeowners in the state do carry coverage, especially when they have a mortgage on their home as insurance coverage is often required by the bank. 

Unfortunately, insurers do not offer a specific “hurricane” insurance for residential property. Instead, homeowners will need to make sure that their homeowners’ insurance policy includes coverage for all the types of damage that can be caused by a hurricane. Homeowners should also confirm that their policy limits are sufficient to cover the full cost of rebuilding their home and replacing their possessions inside the home. 

In addition to normal property coverage provided by homeowners’ insurance, homeowners may need to purchase additional coverages such as:

What Is Involved in the Process of Filing a Claim after a Hurricane?

The property damage claims process after a hurricane begins by notifying your insurer that your home has suffered damage. If you are unsure about what coverage you have in your policy, you should take the time to review the terms of your policy. Reviewing the policy is also important as most homeowners’ insurance policies require property damage claims to be filed within a short period of time. You can also contact your insurer, who can walk you through what needs to be done to formally file your property damage claim with the insurance company. Once your claim is filed, your insurer has 14 days to acknowledge receipt of your claim, after which they will send an adjuster to begin an investigation. 

Other steps you should take when filing a property damage claim include:

Remember Your Deductible

Homeowners’ insurance providers in Florida all require homeowners to have a deductible for hurricane damage. This is the amount of money that you agree to pay for damage and repairs before your insurance coverage will kick in. You can negotiate the size of the deducible, with a higher deductible resulting in lower insurance premiums. However, make sure that you can afford to cover whatever deductible you select; if you suffer damage beyond your deductible and can’t afford to cover it, your insurer may end up denying your claim.

Contact a Fort Lauderdale Insurance Lawyer to Discuss Your Case in Florida

Did your home sustain serious hurricane property damage in Florida? Right now, you need an aggressive insurance attorney on your side, fighting to get you the compensation you need, want, and deserve. The skilled attorneys at Lawlor, White & Murphey represent clients in Coconut Creek, Plantation, Pompano Beach, and Pembroke Pines, and throughout Florida. Call (954) 525-2345 or fill out our online contact form to schedule a free consultation about your case. We have an office conveniently located at 2211 Davie Boulevard, Fort Lauderdale, FL 33312, as well as offices in Pembroke Pines, Weston, Coconut Creek, Plantation, and Pompano Beach.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly