On October 9, Hurricane Milton struck West Central Florida with sustained winds of 120 mph, a storm surge of 13 feet, and over 18 inches of rainfall. This powerful storm led to at least 17 confirmed fatalities and left 3.4 million people without electricity. Hitting just two weeks after Hurricane Helene, Milton delivered a devastating one-two punch, compounding damage for many Florida residents.
For many, this already overwhelming situation is further complicated by unexpected obstacles in dealing with insurance companies. Unfortunately, not all policyholders receive the timely or fair support they need in times of crisis.
In this article, we’ll explore Hurricane Milton’s lasting impact on the DeLand community, common types of storm damage, and how an experienced hurricane damage attorney can be an invaluable ally. We’ll also guide you through the steps to file an insurance claim and provide advice on what to do if your claim is denied.
How Did Hurricane Milton Affect DeLand?
The hurricane brought powerful winds, over 18 inches of rain, and widespread flooding to DeLand, a city in Volusia County with a population of 37,351 (per 2020 Census data). Property owners are now faced with widespread destruction, flooding, and debris from Hurricane Milton’s path.
Volusia County leaders report that Hurricane Milton caused $267 million in damages within the county, impacting over 5,100 properties. Many residents experienced severe flooding, with some homeowners stranded in their homes and vehicles submerged.
Ahead of the storm, Volusia County issued an evacuation order starting at 8 a.m. on Wednesday, Oct. 9. The order covered areas east of the Intracoastal Waterway, all manufactured and mobile homes, campsites and RV parks, and low-lying regions. DeLand saw extensive power outages, widespread road closures, and debris piles across nearly every property. To ensure public safety, a curfew was in effect from October 9 to 10 to limit traffic.
While city water remained safe to drink, a conservation warning was issued after the city’s intake structure, which processes wastewater, became fully flooded. The St. Johns River near DeLand remains in Major Flood Stage. In response, City Sanctuary Church has organized a relief drive for those affected by Hurricane Milton.
What Are Your Options If Your Home Is Affected by Hurricane Milton?
People in DeLand experienced all of the following types of damage to their property during Hurricane Milton:
- Roof and siding damage, mainly from high winds and flying debris
- Window damage from high winds and/or flying debris
- Swimming pool screen damage
- Water damage from heavy rains and/or flooding
- Damage from fallen trees
- Appliance damage, like washers and dryers, flat-screen TVs, computers, stoves, and refrigerators
- Boat and car damage
Many homeowners may be left wondering where to start in the claims and recovery process. Attorney Luca G. Esposito of Florin|Roebig advises, “If your property has suffered damage and your claim is stalled, undervalued, or denied, seeking legal assistance can be crucial to ensure you receive the full compensation you’re entitled to. A skilled attorney can advocate for your rights, helping you overcome these obstacles so you can concentrate on restoring your home and moving forward with your life.”
Consider each of these important steps as you begin to take action after the storm:
Record the Damage
Once your property is safe after the storm, start by thoroughly documenting any damage to it in DeLand. Take clear photos and videos of affected areas, including broken windows, roof damage, flooding, and structural issues. Be sure to also inventory damaged personal items such as furniture, electronics, and appliances. Comprehensive documentation is key to ensuring your insurance claim accurately reflects your losses.
Make Temporary Fixes
After documenting, make necessary temporary repairs to prevent further damage. For example, cover broken windows or place a tarp over a damaged roof to limit additional harm. Keep receipts for these repairs, as they may be eligible for reimbursement through your insurance policy.
Submit Your Insurance Claim
Once your property is secure, file a claim with your homeowner’s insurance provider. This can be a complex process, as policies often detail specific terms regarding coverage. Review your policy closely and include all required documentation to support your claim, helping you receive the full coverage you’re entitled to.
Apply for Government Assistance
Navigating disaster assistance options can feel overwhelming, especially while trying to rebuild. Local authorities in DeLand and Volusia County are committed to connecting residents with needed support. Check their websites and social media channels for guidance on recovery programs such as FEMA assistance and other relief options.
In response to widespread destruction, President Biden issued a Major Disaster Declaration for Florida on October 11, 2024, unlocking federal aid for recovery in hard-hit areas like Volusia County, which was impacted by Hurricane Milton starting October 5.
Although these resources are essential, the claims process can be challenging in heavily affected areas like DeLand. Partnering with a skilled hurricane attorney can provide peace of mind, ensuring your legal rights are protected, and your paperwork is handled efficiently.
Consult a Hurricane Damage Attorney
While many homeowners assume their insurance company will act in their best interest, this is not always the case. If you encounter delays, undervalued claims, or outright denials, hiring a hurricane damage attorney can make all the difference. An experienced attorney can negotiate with the insurance company to make sure your claim is properly assessed and help you recover the full amount you’re entitled to.
What Damages Can a Hurricane Like Milton Cause?
Hurricanes like Milton can inflict a wide range of damage on homes and businesses. In DeLand, some of the most common types of hurricane-related destruction include:
Wind Damage: Hurricanes’ powerful winds are among the most dangerous forces, often damaging roofs, windows, doors, and siding. In severe cases, high winds can tear off entire sections of roofs or uproot trees, which can then fall onto structures, causing even more destruction. Hurricane Milton also spawned 38 tornadoes which caused damage across many counties.
Flooding: Flooding is often the most devastating consequence of a hurricane. Intense rainfall and storm surges can result in severe water damage to basements, lower floors, or entire homes. Water can weaken a building’s foundation, promote mold growth, and ruin personal belongings.
Structural Damage: In the worst scenarios, hurricanes can seriously compromise the structural integrity of buildings. This may involve cracks in walls or foundations or, in more extreme cases, collapse of roofs or walls.
Debris Damage: Flying debris during a hurricane poses another threat. Items like shattered windows, dented siding, and broken fences are common, while larger debris can severely damage homes, vehicles, and outdoor structures.
Power Outages and Secondary Damage: Long-term power outages can cause secondary issues, such as food spoilage, malfunctioning HVAC systems, or burst pipes if the structural integrity of the building is compromised. In Florida’s humid climate, prolonged power loss can also worsen mold problems in water-damaged homes.
Understanding the various types of hurricane damage is crucial when filing an insurance claim. By thoroughly documenting and reporting each type of damage, you maximize your chances of receiving the full compensation you deserve.
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How Can a Hurricane Damage Lawyer Help?
A hurricane damage attorney can be an invaluable resource when dealing with the aftermath of a storm like Hurricane Milton. Here are several ways an attorney can help you navigate the insurance claims process:
Reviewing Your Insurance Policy
Insurance policies can be confusing, with many terms, exclusions, and conditions that homeowners may not fully understand. A hurricane damage lawyer will review your policy in detail to determine what is covered, what isn’t, and whether any limitations apply to your situation.
Filing and Negotiating Your Insurance Claim
Dealing with insurance adjusters and navigating the claim process can be time-consuming and frustrating, especially when your home has suffered significant damage. An attorney will handle the process on your behalf, ensuring that your claim is filed correctly and that all necessary documentation is included.
Maximizing Your Compensation
Insurance companies often attempt to settle claims for less than the full amount of damages. A hurricane damage lawyer will advocate for you, ensuring that your claim reflects the true cost of repairs, replacement of personal property, and any additional living expenses you may incur while your home is being repaired.
Litigating Denied or Underpaid Claims
If your insurance company denies your claim or offers an unfair settlement, an attorney can challenge the decision and, if necessary, take the case to court. Florin|Roebig Attorneys have extensive experience in hurricane-related litigation and will fight for the compensation you deserve.
Providing Peace of Mind
One of the biggest benefits of hiring a hurricane damage lawyer is the peace of mind that comes with knowing an experienced professional is handling your case. With Florin|Roebig Attorneys by your side, you can focus on rebuilding your life while they handle the legal complexities.
What To Do If Your Insurance Claim Is Denied After A Hurricane
Unfortunately, it’s common for homeowners in DeLand to experience denied insurance claims after a hurricane. If your claim has been rejected, don’t lose hope—there are steps you can take:
Examine the Denial: Start by carefully reviewing the denial letter from your insurance company. The letter should outline why your claim was rejected. Sometimes, denials result from missing documentation or misinterpretations of the damage. Understanding the specific reasons behind the denial is crucial for moving forward.
Consult a Hurricane Damage Attorney: If your claim has been denied, it’s important to seek help from an experienced hurricane damage attorney. Florin|Roebig Attorneys can evaluate your policy, review the denial, and determine whether the insurance company acted in bad faith. They can also negotiate on your behalf or pursue legal action if needed.
File an Appeal: Many denied claims can be appealed. This process typically involves submitting additional evidence or correcting any missing information. An attorney can help ensure that your appeal is presented, meets all requirements, and is submitted within the proper timeframe.
Consider Legal Action: If the appeal process doesn’t result in a fair outcome, your attorney may advise filing a lawsuit against the insurance company. Legal action can compel the insurer to pay the full amount of your claim or face penalties for acting in bad faith.
Steps to Take When Filing an Insurance Claim After Hurricane Milton
Filing an insurance claim after a hurricane can be a complex and frustrating process. Follow these steps to ensure your claim is handled correctly:
Contact Your Insurance Company
As soon as possible, contact your insurance company to report the damage and begin the claims process. Your insurer will assign an adjuster to assess the damage and provide an estimate for repairs.
Document the Damage
Thorough documentation is crucial when filing a hurricane damage claim. Take detailed photos and videos of all damage to your property, both inside and out. Keep a list of damaged or destroyed personal items, including their approximate value and the date of purchase.
Keep Records of Expenses
If you incur out-of-pocket expenses, such as hotel stays or temporary repairs, keep all receipts. Your insurance company should reimburse you for these expenses as part of your claim.
File Your Claim Promptly
Many insurance policies have deadlines for filing claims after a hurricane. Be sure to file your claim as soon as possible to avoid missing any deadlines. Your attorney can help you navigate the process and ensure that all paperwork is submitted on time.
Hire a Hurricane Damage Attorney
Hiring an attorney can make a significant difference in the outcome of your claim. Florin|Roebig Attorneys have the experience and knowledge to handle complex hurricane damage claims, ensuring that you receive the compensation you deserve.
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How Florin|Roebig Attorneys Can Help
Hurricane Milton has left many DeLand, Florida, residents facing the overwhelming task of rebuilding their homes and lives. If your insurance company is unresponsive or your claim has been denied, the team at Florin|Roebig Attorneys is here to support you. With deep expertise in hurricane damage claims, we navigate the complexities of insurance policies and are committed to protecting your rights.
At Florin|Roebig, our mission is to secure the full compensation you deserve, helping you rebuild and move forward after a disaster like Hurricane Milton. With 40 years of experience, we have successfully recovered over $1 billion for clients, holding insurance companies accountable every step of the way.
If you need assistance with your claim or have questions about your policy, contact Florin|Roebig today to learn more about our services or to schedule your free consultation.
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