Located in Volusia County, Deltona is a city near Florida’s Atlantic coast, just southwest of Daytona Beach. The town’s population is 93,692, according to the 2020 Census. According to the city’s website, the area was impacted by debris and flooded roads that caused road closures and continued barricaded roads as of October 16, 2024.
Hurricane Milton hit Deltona with powerful winds, rain, and flooding that left thousands of area residents without power. The Deltona Regional Library was designated as a relief center to assist those affected, offering internet access, charging stations, and a cooling station.
The storm led to at least 24 confirmed deaths across Florida and left many with major damage to their homes and property. In response to the number of damaged roofs, the U.S. Army Corps of Engineers began offering free tarping through their Operation Blue Roof program (call 888-766-3258).
If you’ve experienced property damage, you may need to file a claim with your homeowner’s insurance to secure the compensation you’re entitled to. However, dealing with the complexities of insurance claims and negotiating with your insurer can feel overwhelming. That’s where the experienced attorneys at Florin|Roebig can step in to support you.
With over 30 years of experience and a history of winning more than $1 billion for our clients, our board-certified attorneys are ready to help. Contact Florin|Roebig today for a free consultation and expert guidance in filing your hurricane damage insurance claim.
Attorney Hal Weitzenfeld says, “At Florin|Roebig, we are deeply connected to the community we live and work in, and we understand the challenges homeowners are facing after Hurricane Milton. With firsthand experience in handling hurricane damage claims, we are here to guide you through this tough time and ensure the claims process is as smooth and stress-free as possible.”
What Are Your Options If Your Home Is Affected by Hurricane Milton?
If you’re a Deltona resident coping with the aftermath of Hurricane Milton, it’s understandable to feel overwhelmed and unsure of what to do next. It’s normal to feel shaken and anxious after such a devastating event. Your first priority should be the safety and well-being of yourself and your loved ones. Take the time to assess everyone’s physical and emotional health, and seek medical care or support if needed.
Once your immediate needs are met, you can begin addressing the damage to your home. Though the task may seem overwhelming, breaking it down into smaller, manageable steps can make it more manageable. Don’t hesitate to reach out for help—you’re not alone, and support is available as you navigate this difficult time.
Document All Storm Damage
If you were ordered to evacuate, it may take some time before you can return home, as you’ll need to wait for official clearance to ensure it’s safe. Once you’re allowed back, your top priority should be assessing and documenting any damage caused by the storm to your home and property.
This documentation is essential for supporting your insurance claim. It provides the proof you need to secure the maximum coverage you’re entitled to. By thoroughly documenting the damage, you can help streamline the claims process and avoid delays.
Be sure to take detailed photos and videos of all visible damage, both inside and outside your home. This evidence can be crucial, especially if your claim is denied and you need to pursue legal action to get the compensation you deserve.
Make Temporary Repairs
After documenting the damage, it’s important to make temporary repairs where possible, depending on the extent of the destruction. These quick fixes can help prevent further damage to your home and belongings, reducing additional costs. For example, covering broken windows, tarping a damaged roof, or sealing leaks can protect your property from worsening conditions.
In the case of damage from both Hurricane Milton and Hurricane Helene, tracking and addressing each instance of destruction is crucial for potential insurance claims. Keeping detailed records of repairs related to both storms will strengthen your case and ensure you receive appropriate compensation.
Even if the damage isn’t too severe, temporary repairs can make your home more livable while you wait for permanent solutions. Be sure to keep receipts for any materials you purchase, as these costs may be reimbursable through your insurance claim. Properly documenting repairs tied to both hurricanes will help protect your claim and ensure nothing is overlooked.
Review Your Homeowner’s Policy
It’s important to carefully review your homeowner’s insurance policy to fully understand your coverage. Familiarizing yourself with the specific terms of your policy will help you be better prepared when filing a claim. Knowing important details, such as what types of damage are covered, the amount of coverage available, and what your deductible might be can help you manage expectations, avoid surprises, and ensure you get the compensation you’re entitled to as you begin the recovery process.
Contact Your Insurance Provider
After documenting the damage from Hurricane Milton and reviewing your insurance policy, the next critical step is to contact your insurance provider to file a claim. Having all your documentation ready—including photos, videos, and receipts for any temporary repairs—along with your policy details will help expedite the process and reduce potential delays.
Be aware of any deadlines for filing your claim, as many insurance policies require you to submit within a specific timeframe after the disaster. Check your policy for these deadlines and file your claim promptly to ensure you’re eligible for coverage. Acting quickly will help ensure you receive the compensation needed to start your recovery.
Get A Damage Assessment
Your insurance company will assign an adjuster to visit your home and inspect the damages outlined in your claim. It’s essential that you’re present during this inspection, as the adjuster will provide repair estimates or may bring in professionals to assess the costs. If you believe the estimates are inaccurate or insufficient, don’t hesitate to voice your concerns. It’s your right to ensure that the evaluation reflects the full extent of the damage, and clear communication can help avoid issues down the line.
Apply For Government Assistance
In addition to insurance coverage, it’s important to know that there are several opportunities for government assistance to help cover additional costs related to the storm. Look to the Deltona and Volusia County websites and social media accounts for more information on government assistance through FEMA and other resources.
On October 11, 2024, President Biden approved a Major Disaster Declaration for Florida, which extends federal aid to areas impacted by Hurricane Milton, including Volusia County. With FEMA’s official designation of the county as a disaster area, this declaration provides critical resources for recovery efforts. The assistance includes individual and public aid, as well as hazard mitigation funding, all aimed at supporting the rebuilding and strengthening of affected communities.
Hire A Hurricane Damage Lawyer
Unfortunately, insurance claims are not always an easy process and can come with many obstacles, especially during an influx of claims after a series of catastrophic storms like Milton and Helene. It’s crucial that you have an expert on your side to advocate for your rights and compensation. The experienced attorneys of Florin|Roebig are ready to help you every step of the way.
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What Damages Can A Hurricane Like Milton Cause?
A devastating storm like Hurricane Milton can have long-lasting, life-altering impacts on homes, property, and the well-being of Florida residents. In the aftermath, it’s important not only to focus on physical recovery but also on safeguarding your financial future by filing an insurance claim. To receive the full compensation you’re entitled to, it’s crucial to understand the complete scope of the damage to your home and property, as this will significantly impact your claim.
While some damage—like broken windows or roof leaks—may be obvious, other issues such as structural damage, mold growth, or electrical problems can be hidden and harder to detect. Take the time to carefully inspect your home, including areas like the attic, crawl space, and behind walls, to ensure nothing is missed. Documenting all damages thoroughly from the start can greatly improve your chances of receiving the compensation needed to rebuild and recover in Deltona. You deserve the resources to move forward, and a comprehensive claim is key to securing them.
Hurricane Milton dumped so much rain over parts of the Tampa Bay area that it qualified as a “1-in-1,000-year” rainfall event. Possible types of damage due to Hurricane Milton include:
Water Damage and Flooding: With heavy rain and flooding, many homes and other kinds of property may have experienced flooding and water damage. The water can not only damage the foundation of your home but also your belongings and eventually lead to mold growth.
Wind Damage: Extreme winds such as those from Hurricane Milton could have also caused damage to your house. This is because the high-force winds and resulting tornadoes can cause debris and other dangerous items to damage your home.
Structural Damage: Structural damage may be harder to identify at first glance, so it’s important to proceed with caution when entering a building that appears to be standing following a hurricane. Torn walls, roof damage, and a weakened foundation are all forms of structural damage that could occur.
Landscaping and External Damage: Exterior structures and your yard may have also incurred damage from the storm. With little to no protection from the elements, even if your home seemed to make it through, your external property may have suffered damages.
Personal Property Damage: In addition to structural damage, personal property such as furniture, clothing, electronics, and other valuable or sentimental items may also be affected by the storm. It’s important to carefully document any damage to these belongings as part of your claim. Take detailed notes and photographs of each item, and refer to your insurance policy to see what is covered under your plan. Some policies may provide compensation for personal property losses, while others may have limits or exclusions, so understanding your coverage can help ensure you receive the maximum reimbursement for your damaged possessions.
Secondary Damage: Secondary damages can occur after the storm due to flooding and exposure to the harsh environment. These damages may also be covered, so be sure to review your policy and include them in your claim.
It can be difficult to comprehend all of the damage you have incurred due to a storm. This is why having Florin|Roebig to guide you along the way can be so helpful. Our expert attorneys are qualified to assist you in ensuring all of your damages are accounted for and you receive the payout you deserve.
“At Florin|Roebig, we understand the immense challenges homeowners face in the wake of Hurricane Milton. We are here to help you assemble a comprehensive and well-supported claim, and we’ll communicate directly with your insurance company on your behalf. While many claims can be resolved without going to court, our dedicated team is committed to advocating for your best interests throughout the entire negotiation process, ensuring you receive the compensation you deserve during this difficult time,” says attorney Hal Weitzenfeld.
How Did Hurricane Milton Affect Deltona?
Volusia County City Council leaders said that Hurricane Milton caused an estimated $267 million worth of damage to over 5,100 properties countywide. The National Weather Service reported from 16.52 to 7.5 inches of rain in parts of Volusia County, leading to widespread flooding, evacuations, and road closures.
To cope with the storm, county officials opened five shelters that housed over 1,000 people during the storm. As of October 17, 2024, the St. Johns River was still rising and sandbag locations remained open.
Dealing with the aftermath of a hurricane can be extremely stressful and emotionally draining. Navigating insurance claims while trying to rebuild your life adds even more pressure. At Florin|Roebig, we’re here to ease that burden by guiding you through the complex claims process. Our experienced team will ensure that your insurance company treats you fairly and avoids bad faith practices, allowing you to focus on your recovery. We’re committed to supporting you every step of the way.
What to Do if Your Insurance Claim Is Denied After a Hurricane
You pay your premiums with the expectation that your insurance provider will support you during tough times. Unfortunately, that isn’t always the reality. Insurance companies often prioritize their bottom line, and during periods of high claims from natural disasters, your claim may fall through the cracks or get delayed.
If you encounter any of the following issues with your insurance company, contact the Florin|Roebig law firm immediately:
- Your adjuster is unresponsive, provides the wrong contact information, or fails to return your calls.
- You receive a settlement offer that is insufficient to cover the necessary repairs.
- Your insurer claims the damage is worth less than your deductible.
- Your insurance claim is denied.
- Your claim is accepted, but the process is taking too long, or payment is being delayed.
- Your insurer asserts that you need a separate flood insurance policy to cover the damages.
At Florin|Roebig, our attorneys have extensive experience navigating the complexities of hurricane insurance claims. We are here to advocate for you and ensure you receive the respect and compassion you deserve.
How Can a Hurricane Damage Lawyer Help?
Hiring a hurricane damage lawyer, like the trusted and experienced attorneys at Florin|Roebig, ensures that you have a skilled advocate on your side throughout the often challenging and complex insurance claim process. With their expertise, you can navigate the legal and insurance hurdles with confidence, knowing that your rights are protected and that you’re in the best possible position to secure the compensation you deserve.
A property damage lawyer can help by:
- Helping to collect evidence including repair estimates, expert opinions, and pictures and videos to bolster your claim
- Negotiate the maximum compensation under your insurance policy and get into the weeds of insurance company jargon
- Represent you in court if your company does not comply
Our attorneys are no stranger to the tricks insurance companies may try to pull when you file a claim. Florin|Roebig’s reliable team will handle the legal intricacies so you can focus on recovering and rebuilding after the storm.
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How To Get Help From Florin|Roebig Attorneys
At Florin|Roebig, we understand how overwhelming the aftermath of disasters like Hurricane Milton and Hurricane Helene can be. You deserve fair compensation for your losses, especially after diligently paying your insurance premiums. It’s time for your insurer to uphold their responsibility and honor your claim.
That’s why our attorneys offer free consultations to help you assess whether hiring a lawyer is the right choice for your situation. Don’t hesitate to reach out to us today. Our compassionate team is here to discuss your case, answer your questions, and assist you in scheduling your free case evaluation. We’re committed to ensuring you receive the support and compensation you need during this challenging time.
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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