In the bustle of storm preparation, it’s easy to forget tasks. During the storm, surviving is the focus. Once it’s passed, you’ve got to process what you’re left with regarding your home and belongings. This situation equals a mountain of stress for Apopka residents and their loved ones. It’s hard to feel grounded for a while, and you may shift to a different survival phase while trying to catalog the damage and secure resources to meet your immediate needs.
What’s extremely unhelpful in this scenario is an insurance company that’s not doing its job in paying valid damage claims. That doesn’t have to be your reality. If you’re having issues submitting your paperwork, received a denial letter, or can’t reach your provider, contact Florin|Roebig for help. Our legal team can get you the answers and the payout you need when your insurer isn’t honoring an eligible filing.
Florin|Roebig attorney Kavon Smith states, “Insurance companies thrive on keeping what you pay them, providing them comfort while you’re struggling to fix the roof over your head. At Florin|Roebig, we don’t let them continue such practices. We’ll quickly take care of your roof and other valid storm damage claims. Insurance companies need to follow the laws that govern their practices, and that’s what we’re here for.”
What Are Your Options If Your Home Is Affected by Hurricane Milton?
Your options for filing Hurricane Milton damage claims and your payout are determined by how you prepare your paperwork and what your policy states. Understand that plenty of vaguely worded statements can be used as loopholes to delay or deny your claim. Taking specific actions guards against some of these issues.
Document Your Losses
Create a written record of all of your damage from Hurricane Milton. If you’ve also got damage from Hurricane Helene, make sure you note any distinctions between the two. Using your phone or a camera, take several pictures of all damage. Work from multiple angles and in good lighting to provide the best evidence. Video any damaged areas, too, as this can show things you or the pictures miss.
Review Your Homeowner’s Policy
Reading insurance policies is a great habit, but if you’re unaware of coverage terms, take the time to go through them now. You want compensation for what you’re owed and not to slow claims processing by including items outside the policy.
Contact Your Insurer
Contacting your insurer to let the company know that you have storm damage is important. It’s equally important to have all of your documentation together before contacting them. Otherwise, your claim can be rejected for lack of supporting evidence or filing for ineligible damage.
Patch What You Can
Inspectors, insurance adjusters, and contractors will all need to view any damage to your property. With the understanding that you may need to make repairs because you need to live in your house, it’s best to ensure that they’re temporary jobs as much as possible. That way, you have the structure and protection for your valuables but can still give access for payouts and contract work.
Get Damage Assessed
In line with the above, there may be any number of people coming to look at your housing and property situation. Your insurance adjuster has to do it for the policy. City or county inspectors may be trying to get a better picture of local conditions. You may want to hire a third-party contractor to give you an estimate to compare to the insurance company’s. Always check the contractor’s licensing with the appropriate office, and speak up if the insurance and contractor estimates are at odds.
Get Government Assistance
Most levels of government will offer assistance before, during, and after major storms like Hurricane Milton. In Apopka, local offerings include sand, sandbags, water, shelters, and rescue efforts. Some building permits are being waived for mass repairs. Higher tiers of government provide additional disaster relief, particularly FEMA, which now has stations set up around Orange County to offer resources to Apopka residents following Hurricane Milton’s impact.
Florin|Roebig is also available to help Milton’s victims. We can assist your response to dealing with difficult insurance company practices, getting you the payouts you need to repair or rebuild your home.
What Damages Can A Hurricane Like Milton Cause?
The largest damage from Hurricane Milton in Apopka is flooding, which came in unprecedented waves of heavy rain into areas not designed to contain those amounts. While temporary barriers were placed around the city, Hurricane Milton’s floodwaters are still causing numerous problems for residents.
Hurricane Milton has left Apopka with these types of storm damage:
- Wind damage
- Water damage and flooding
- Structural damage
- Personal property damage
- Landscaping and exterior property damage
Additional Issues
Because of all the standing water, Apopka homeowners have to worry about sickness caused by bacteria. There is also concern over the development of rot, mold, and other damage that stems from still-high water levels.
Contact Florin|Roebig to help straighten out your flooding claims issues. We have representatives available to you 365 days a year.
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How Did Hurricane Milton Affect Apopka?
The water is more problematic than any other type of destruction within the city. Residents who have lived in Apopka for 20-30 years say the flooding has never been this bad. Roads and area businesses stayed closed.
Border Lake and Page Lake have overflowed, and officials left Piedmont Wekiwa Road flooded to protect the homes in nearby neighborhoods. Citizens have concerns that the city has grown too fast and lacks the infrastructure to support the storms Florida has, with Hurricane Milton’s flooding showing this is a possibility.
What to Do if Your Insurance Claim Is Denied After a Hurricane
Reach out to your insurance representative and request a detailed denial letter if the insurance company leaves out a clear explanation for the refusal. If you’re struggling to get this information (or to get in touch with your agent in general), contact Florin|Roebig for assistance. Insurance companies will put off responding to run out the clock on your filing deadlines.
Hurricane damage claim denial reasons can include these common responses:
- Lack of proof that the damage is from Hurricane Milton.
- Not supporting your damage claim with valid evidence.
- Including ineligible property in the damage claim.
The insurance company has a responsibility to you as their client to be responsive to queries and provide specifics about any rejected claims. When they don’t, they’re gambling that you won’t bother to appeal or that you’ll miss out on re-filing. Florin|Roebig’s team can prevent the headaches you get from sparring with insurance representatives and nailing down all required paperwork.
How Can a Hurricane Damage Lawyer Help?
Our free case review is an insight into your claim validity. We’ll go over your damage and what evidence you have to prove it. We’ll look at your claim and denial (if any). Once we have a good idea of your situation, we’ll determine if you have a case against the insurance company and what chance you have of getting a fair settlement.
“We try to avoid wasting anyone’s time on claims that may be valid but lack the support or ability to get it for an appeal. However, when we know that your claim is eligible to be paid under your insurance policy terms, and you’re getting jerked around by bad insurance agents, we’re all in. We don’t back down from holding these characters to their pledges to pay clients’ Hurricane Milton claims,” states Florin|Roebig attorney Kavon Smith.
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How to Get Help from Florin|Roebig Attorneys
Contact Florin|Roebig when you need help getting payment for your Apopka Hurricane Milton storm damage claim. We’ll work on your behalf while you take care of yourself and your loved ones. Let us reduce your storm recovery stress level.
You can reach us through our website contact page, which lists these options:
- An online form you can fill out anytime to have us contact you in return.
- Call the phone number for your area 24/7.
- Use our chat feature day or night.
There’s often no good reason for an insurance company to refuse a client’s claim following a storm. While some insurance employees will make a good-faith effort to help you and pay what they owe, others will fail to do their jobs appropriately. When that happens, our clients are left with hurdles and hassles they don’t deserve. Let Florin|Roebig help make things right.
