Step-by-Step Guide To Documenting Hurricane Damage After Milton Hits
Paul Brannon | October 22, 2024 | Miscellaneous
Experiencing a hurricane like Milton is stressful and overwhelming. If your property in Florida has been damaged, you may know that you can file an insurance claim for compensation. However, you might not fully understand your specific rights and the steps you need to take.
Since Florida law generally allows property owners to file claims after a hurricane — no matter who was at fault — you are likely entitled to monetary compensation. An experienced attorney can guide you through the process; until then, read on for more information.
Understanding Insurance Claims in Florida
Your situation will most likely involve filing a claim with your homeowner’s insurance company. Insurance companies are required to handle claims fairly and promptly. However, navigating the claims process can be confusing, and insurance adjusters may not always act in your best interest.
It’s important for you to understand your insurance policy and what it covers. Typically, homeowner’s policies in Florida cover wind damage and water damage caused by hurricanes. However, flood damage from rising water often requires separate flood insurance. Knowing the details of your coverage is crucial.
What You Should Do After Hurricane Milton Hits
To protect your rights and interests after Hurricane Milton, keep the following steps in mind:
Ensure Your Safety
Before doing anything else, make sure it is safe to return to your property. Look out for hazards like downed power lines, gas leaks, or unstable structures.
Document the Damage
If you can, take pictures and videos of all the damage to your property. This includes damage to the exterior and interior of your home, as well as any personal belongings that were affected.
Make a List of Damaged Items
Create a detailed inventory of all damaged or lost items. Include descriptions, approximate values, and any receipts or proof of purchase you may have.
Avoid Making Permanent Repairs
Do not start permanent repairs until after your insurance company has inspected the damage. However, you can make temporary repairs to prevent further damage, like covering broken windows or holes in the roof. Keep receipts for any expenses related to temporary repairs.
Contact Your Insurance Company
Report the damage to your insurance company as soon as possible. Provide them with the documentation you’ve gathered and follow their instructions for filing a claim.
Keep Records of All Communications
Write down the dates, times, and names of the people you speak with at your insurance company. Save copies of all emails and letters.
From here, it is a good idea to get in touch with an experienced property damage lawyer as soon as you can. They can help you understand your rights and guide you through the claims process.
A Trusted Property Damage Lawyer Can Help if Your Property Was Damaged by Hurricane Milton
If your property was damaged by Hurricane Milton, there are two important things to know. First, you may be able to file an insurance claim for compensation. Second, you may need to act quickly to make sure your claim is handled properly. The insurance claims process is often anything but straightforward, even in the best of circumstances.
Many property damage attorneys offer free consultations, so it is likely in your best interest to reach out today if you can. Most lawyers in this field work on a contingency fee basis, which means they only get paid if they secure compensation for you. Call today to receive some legal advice and get started with your case.
Contact Our Personal Injury Law Firm in Northwest Florida
If you need legal assistance, contact the Destin personal injury lawyers at Brannon & Brannon Car Accident & Personal Injury Lawyers at your nearest location to schedule a free consultation today.
We have two convenient locations in Northwest Florida:
Brannon & Brannon Car Accident & Personal Injury Lawyers – Destin Office
4507 Furling Ln Suite 214
Destin, FL 32541
(850) 790-0243
Brannon & Brannon Car Accident & Personal Injury Lawyers – Fort Walton Beach Office
975 Mar Walt Dr
Fort Walton Beach, FL 32547
(850) 863-5297