On October 9, Hurricane Milton made landfall in West Central Florida with sustained winds of 120 mph, a storm surge of up to 13 feet, and more than 18 inches of rainfall. This powerful storm caused at least 17 fatalities and left 3.4 million residents without power. Striking just two weeks after Hurricane Helene, Milton compounded the devastation, delivering a harsh one-two blow to many Floridians still recovering.
Edgewater, part of the Deltona–Daytona Beach–Ormond Beach metropolitan area, was among the hardest-hit communities. For countless residents, the path to recovery is further complicated by the frustrations of dealing with insurance companies. Too often, policyholders encounter delays, denials, or undervalued claims, leaving many without the support they need during this critical time.
As a Florida-based legal team, Florin|Roebig Attorneys understands the unique challenges residents of Edgewater and other hurricane-affected communities face. In this article, we explore Hurricane Milton’s impact on Edgewater, the common types of storm damage, and how an experienced hurricane damage attorney can be a crucial advocate. We also provide guidance on filing insurance claims and what to do if your claim is denied.
How Did Hurricane Milton Affect Edgewater?
In Edgewater—a city already vulnerable to flooding before Hurricane Milton’s arrival—the storm delivered an additional 8-10 inches of rainfall. Edgewater, located in Volusia County and home to 23,097 residents (2020 Census), now faces widespread destruction, severe flooding, and extensive debris in Milton’s aftermath. At Daytona Beach International Airport, strong sustained tropical storm winds reached over 60 mph, with gusts peaking at 87 mph around 4:30 a.m.
Volusia County officials estimate that Hurricane Milton caused $267 million in damages across the county, affecting more than 5,100 properties. Many residents experienced significant flooding, with some stranded in their homes and vehicles fully submerged. High winds and intense rain knocked down trees and power lines, causing widespread disruptions.
In preparation for the storm, Volusia County issued an evacuation order beginning at 8 a.m. on Wednesday, Oct. 9. The order applied to areas east of the Intracoastal Waterway, all manufactured and mobile homes, campsites and RV parks, and other low-lying areas. Edgewater experienced widespread power outages, road closures, and debris on nearly every property. To promote safety, a curfew was enforced from October 9 to 10 to limit traffic.
What Are Your Options If Your Home Is Affected by Hurricane Milton?
People in Edgewater 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
- Destroyed sheds and lawn equipment
- 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, “After a storm, navigating insurance claims can be overwhelming. If your claim is delayed or denied, or an inadequate offer is made, an experienced attorney can help protect your rights and secure the compensation you need to rebuild and move forward.”
Consider each of these essential steps as you begin to recover after the storm:
Record the Damage
Once it’s safe, begin by thoroughly documenting any damage to your Edgewater property. Take clear photos and videos of affected areas, including broken windows, roof damage, flooding, and structural issues. Also, make an inventory of damaged personal items like furniture, electronics, and appliances. Detailed documentation will help ensure that your insurance claim accurately reflects the extent of your losses.
Make Temporary Fixes
After documenting the damage, make temporary repairs to prevent further issues. Cover broken windows or secure a tarp over a damaged roof to minimize additional harm. Save 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 process can be complex, as policies often specify detailed coverage terms. Carefully review your policy and submit all required documentation to support your claim, positioning you to receive the coverage you deserve.
Apply for Government Assistance
Navigating disaster assistance options can feel overwhelming, especially when you’re focused on rebuilding. Edgewater and Volusia County authorities are working to connect residents with the necessary support. Check local websites and social media channels for information on FEMA assistance and other relief programs.
Following widespread destruction, President Biden issued a Major Disaster Declaration for Florida on October 11, 2024, unlocking federal recovery aid for areas hit hardest, including Volusia County, which was affected by Hurricane Milton starting October 5.
While these resources are valuable, the insurance claims process can be especially challenging in areas like Edgewater. Partnering with an experienced hurricane attorney can provide peace of mind, protect your legal rights, and ensure that all necessary paperwork is managed effectively.
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 bring widespread destruction to homes and businesses. In Edgewater, common forms of hurricane-related damage include:
Wind Damage: A hurricane’s powerful winds are often one of the greatest threats, frequently causing damage to roofs, windows, doors, and siding. In severe cases, high winds can rip off sections of roofs or uproot trees, which can then fall onto buildings, causing further destruction.
Flooding: Flooding is often the most destructive impact of a hurricane. Heavy rainfall and storm surges can lead to extensive water damage in basements, lower floors, and sometimes entire homes. Floodwaters can weaken a building’s foundation, encourage mold growth, and destroy personal belongings.
Structural Damage: In extreme cases, hurricanes can seriously weaken the structural integrity of buildings. This might include cracks in walls or foundations, or, in the worst cases, the partial or full collapse of roofs or walls.
Debris Damage: Flying debris during a hurricane poses additional hazards. Broken windows, dented siding, and damaged fences are common, while larger debris can inflict severe damage to homes, vehicles, and outdoor structures.
Power Outages and Secondary Damage: Extended power outages can lead to secondary problems, such as food spoilage, HVAC malfunctions, or burst pipes if a building’s structure is compromised. In Florida’s humid climate, prolonged power loss can also exacerbate mold issues in water-damaged homes.
Understanding these types of hurricane damage is essential when filing an insurance claim. By thoroughly documenting and reporting each type of damage, you improve your chances of securing the full compensation you deserve.
Our Featured Case Results
How Can a Hurricane Damage Lawyer Help?
After a storm like Hurricane Milton, an experienced hurricane damage attorney can be an invaluable resource. Here’s how an attorney can guide you through the complex claims process:
Reviewing Your Insurance Policy
Insurance policies are often filled with confusing terms, exclusions, and conditions. A hurricane damage lawyer will review your policy thoroughly, clarifying what is and isn’t covered and identifying any limitations that may apply to your case.
Filing and Negotiating Your Claim
Navigating the insurance claim process can be overwhelming, especially after significant damage to your home. An attorney will manage this process for you, filing your claim accurately and ensuring all necessary documentation is included.
Maximizing Your Compensation
Insurance companies may try to settle claims for less than the full amount. A hurricane damage lawyer will work to ensure that your claim reflects the complete costs of repairs, replacement of personal property, and any temporary living expenses you incur during repairs.
Challenging Denied or Underpaid Claims
If your claim is denied or undervalued, an attorney can dispute the decision and, if necessary, pursue your case in court. Florin|Roebig Attorneys are highly experienced in hurricane-related litigation and are prepared to fight for the compensation you deserve.
Providing Peace of Mind
One of the greatest benefits of hiring a hurricane damage lawyer is knowing that a knowledgeable professional is handling your case. With Florin|Roebig Attorneys by your side, you can focus on rebuilding while they manage the legal details.
What To Do If Your Insurance Claim Is Denied After A Hurricane
It’s all too common for insurance claims to be denied following a hurricane, and many homeowners in Edgewater face this setback. If you receive a denial, don’t lose hope—there are steps you can take:
Examine the Denial: Begin by closely reviewing the denial letter from your insurance provider. It should detail the reasons behind the decision. Denials often stem from missing documentation or misunderstandings about the extent of the damage. Understanding these specifics is essential for determining your next steps.
Consult a Hurricane Damage Attorney: If your claim has been denied, it’s wise to consult with an experienced hurricane damage attorney. Florin|Roebig Attorneys can analyze your policy, examine the denial, and assess whether the insurance company acted in bad faith. They can also negotiate on your behalf or pursue legal action if necessary.
File an Appeal: Many denied claims are eligible for appeal, which typically involves providing additional evidence or addressing missing information. An attorney can help ensure your appeal is clearly presented, meets all requirements, and is filed within the correct timeframe.
Consider Legal Action: If appealing doesn’t lead to a fair resolution, your attorney may recommend filing a lawsuit against the insurer. Legal action can compel the insurance company to fulfill the full claim amount or face penalties for bad faith practices.
Steps to Take When Filing an Insurance Claim After Hurricane Milton
Filing an insurance claim after a hurricane like Milton can be a complex process, but taking certain steps can help ensure a smoother experience and maximize your chances for full compensation. Start by contacting your insurance company as soon as possible to report the damage and begin the claims process. Your insurer will assign an adjuster to evaluate the extent of the damage and provide a repair estimate, which will be central to your claim.
Documentation is crucial. Capture clear, detailed photos and videos of all damage to your property, both inside and out. Be sure to create an inventory of damaged personal items, noting approximate values and purchase dates if possible. This evidence will help your claim accurately reflect the full scope of your losses.
Keep a record of all out-of-pocket expenses you incur as a result of the damage, including temporary lodging, emergency repairs, or other essentials. Retain receipts, as these costs are typically eligible for reimbursement as part of your claim.
It’s essential to file your claim promptly, as many policies have deadlines for hurricane-related claims. Filing early can prevent complications with policy deadlines, and an attorney can guide you through this process to ensure that all necessary paperwork is submitted on time.
Lastly, consider hiring a hurricane damage attorney. An experienced attorney, such as those at Florin|Roebig, can significantly improve your claim’s outcome by navigating the complexities of insurance policies and advocating for the full compensation you’re entitled to.
We Are Nationally Awarded Lawyers
How Florin|Roebig Attorneys Can Assist You
Hurricane Milton has left many Edgewater, Florida, residents facing the overwhelming task of rebuilding their homes and lives. If you’re dealing with an unresponsive insurance company or a denied claim, Florin|Roebig Attorneys are ready to assist. With extensive experience in hurricane damage claims, our Florida-based team understands the complexities of insurance policies and is committed to protecting your rights.
At Florin|Roebig, our mission is to secure the full compensation you’re entitled to, helping you rebuild and move forward after a disaster like Hurricane Milton. With 40 years of experience and over $1 billion recovered for our clients, we hold insurance companies accountable every step of the way.
If you need help with your claim or have questions about your policy, contact Florin|Roebig today to learn more about our services or to schedule a free consultation.
- Fill out our online form anytime, and we’ll get back to you promptly.
- Call the phone number for your area 24/7.
- Use our online chat feature day or night.
