How to Prepare a Property Insurance Claim After a Fall Storm Damage in Florida
24Sep
Fall in Florida may bring cooler breezes, but it also means the height of hurricane season and severe storms. If your property suffers storm damage, filing an insurance claim quickly and correctly can make all the difference. Here’s a step-by-step guide to help you navigate the process.
1. Prioritize Safety
Before anything else, make sure you and your family are safe. Stay away from downed power lines, unstable structures, or floodwaters. Only attempt temporary repairs if it is safe; your safety comes first.
2. Document Everything
Insurance claims are built on evidence. Thorough documentation can speed up the process and help you receive fair compensation.
- – Take photos and videos of all damage inside and outside before any cleanup begins.
- – Create a written record with dates and times.
- – Make an inventory of damaged items, including their value if you can.
3. Mitigate Further Damage
Most policies require you to take reasonable steps to prevent further damage.
- – Cover a damaged roof with a tarp.
- – Board up broken windows.
- – Save all receipts for temporary repairs and materials.
- – Keep records of the work you did.
4. File Your Claim Quickly
Contact your insurer as soon as possible after the storm.
- – Provide your policy number and a detailed description of the damage.
- – Submit your photos, videos, receipts, and written records.
- – Keep copies of everything you send for your own records.
5. Know Your Policy and Your Rights
Understanding your policy is critical.
- – Review what types of damage are covered and under what conditions.
- – Carefully evaluate any “proof of loss” documents that outline what the adjuster says will be covered.
- – You have the right to hire your own licensed, reputable contractor. Do not rely solely on one suggested by the insurer, and never pay a contractor in advance.
Final Tip: Don’t Face the Claims Process Alone
Filing a property insurance claim after storm damage can feel overwhelming, especially during an already stressful time. By prioritizing safety, documenting everything, and understanding your rights, you can protect both your property and your peace of mind.
If you run into delays, denials, or low settlement offers, remember you don’t have to face the insurance company alone. Contact us today to discuss your situation and learn how we can help protect your rights.
James (Jim) Magazine is a Florida Board Certified Civil Trial lawyer who has spent his career helping injured victims. Jim is licensed to practice law in the State of Florida since 1990 and is also admitted to practice at the Appellate level and admitted to the United States Supreme Court.
Years of Experience: More than 30 years
Florida Registration Status: Active
Bar Admissions:
Clearwater Bar Association
West Pasco Bar Association