Hurricane Milton made landfall in West Central Florida on October 9, unleashing sustained winds of 120 mph, storm surges up to 13 feet, and more than 18 inches of rain. As a formidable Category 3 storm, Milton caused at least 17 fatalities and left 3.4 million residents without power. Striking just two weeks after Hurricane Helene, Milton added to the destruction, delivering another blow to Floridians still in the early stages of recovery.
Four Corners, a census-designated area, was heavily impacted by the hurricane’s wind and rain. For many residents, recovery is further complicated by the challenges of navigating insurance claims. Policyholders often face delays, denials, or undervalued claims, leaving them without the support needed in this critical time.
As a Florida-based legal team, Florin|Roebig Attorneys understands the unique challenges facing residents of Four Corners and other hurricane-affected areas. In this article, we examine Hurricane Milton’s impact on Four Corners, common types of storm damage, and how an experienced hurricane damage attorney can be an essential advocate. We also offer guidance on filing insurance claims and advice on what to do if a claim is denied.
How Did Hurricane Milton Affect Four Corners?
Hurricane Milton’s passage through Osceola and nearby counties caused scattered reports of downed trees and localized wind and flood damage. In Four Corners, an area spanning Lake, Orange, Osceola, and Polk counties and home to 56,381 residents (2020 Census), residents now face property damage, flooding, and debris cleanup.
Osceola County officials reported that a late shift in rainbands along the I-4 corridor helped ease flooding concerns, with lake levels staying below critical thresholds. A mandatory countywide curfew, which included Kissimmee and St. Cloud, was lifted at 10 a.m. on October 10, 2024.
What Are Your Options If Your Home Is Affected by Hurricane Milton?
Four Corners residents likely experienced many 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 hurricane, managing insurance claims can feel daunting. If you’re facing delays, denials, or low settlement offers, an experienced attorney can advocate for your rights and work to ensure you receive the support necessary to rebuild and move on.”
How To Begin Recovery From Hurricane Milton
Consider each of these essential steps as you begin to recover after the storm:
Record the Damage
When it’s safe to do so, start by thoroughly documenting any damage to your Four Corners property. Capture clear photos and videos of all affected areas, including broken windows, roof damage, flooding, and structural issues. Additionally, make a list of damaged personal items like furniture, electronics, and appliances. Detailed documentation is key to ensuring your insurance claim accurately reflects the full scope of your losses.
Make Temporary Fixes
Once you’ve documented the damage, focus on temporary repairs to prevent further issues. Cover broken windows and secure a tarp over any roof damage to minimize additional harm. Keep receipts for these repairs, as they may qualify for reimbursement through your insurance.
Submit Your Insurance Claim
With your property secure, file a claim with your homeowner’s insurance provider. This process can be complex, as policy details often specify terms of coverage. Review your policy carefully and include all necessary documentation to strengthen your claim and position yourself to receive fair coverage.
Apply for Government Assistance
Navigating disaster assistance can be challenging, especially during the initial rebuilding period. Four Corners officials are working to connect residents with available resources. Stay updated via local websites and social media channels for information on FEMA assistance and other relief programs.
Following Hurricane Milton’s impact, President Biden issued a Major Disaster Declaration for Florida on October 11, 2024, making federal recovery aid available for areas affected since October 5.
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 Four Corners, 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.
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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
Facing a denied insurance claim after a hurricane is, unfortunately, a common experience for many Four Corners homeowners. If you receive a denial, don’t lose hope—there are steps you can take to address this setback:
- Examine the Denial: Begin by carefully reviewing the denial letter from your insurer. This document should explain the reasons behind the decision. Denials often result from missing paperwork or misunderstandings about the extent of the damage. Understanding these details is crucial in deciding how to proceed.
- Consult a Hurricane Damage Attorney: If your claim is denied, consulting with a hurricane damage attorney can be highly beneficial. An attorney can analyze your policy, evaluate the denial, and determine if the insurance company acted in bad faith. They can also negotiate on your behalf and, if necessary, pursue legal action.
- File an Appeal: Many denied claims are eligible for appeal. This process often involves submitting additional evidence or addressing any missing information. An attorney can help ensure your appeal is clearly documented, meets all requirements, and is submitted on time.
- Consider Legal Action: If the appeal doesn’t resolve the issue fairly, your attorney may suggest filing a lawsuit against the insurer. This legal step can compel the insurance company to honor the full claim amount or face penalties for any bad faith practices.
By taking these steps, you can increase your chances of a fair outcome and obtain the support needed to recover.
Steps to Take When Filing an Insurance Claim After Hurricane Milton
Filing an insurance claim after a hurricane like Milton can be challenging, but certain steps can increase your chances of full compensation. Start by contacting your insurer immediately to report the damage and initiate the claims process; an adjuster will then assess the damage and estimate repair costs.
Documentation is key. Take clear photos and videos of all damage, inside and outside, and create an inventory of affected personal items, noting values and purchase dates if possible. This evidence will support a comprehensive claim.
Track all related expenses, including temporary lodging, emergency repairs, and essentials. Keep receipts, as these costs are often reimbursable under your claim.
Submit your claim promptly to avoid issues with policy deadlines. Filing early can prevent delays, and consulting an experienced hurricane attorney can help ensure your paperwork is complete and timely.
Consider hiring a hurricane damage attorney. Navigating the insurance claims process can be particularly demanding in hard-hit areas like Four Corners. Working with an experienced hurricane attorney, like those at Florin|Roebig, can bring peace of mind, protect your legal rights, and ensure that all necessary paperwork is handled properly.
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How Florin|Roebig Attorneys Can Help You
Hurricane Milton has left many residents of Four Corners, Florida, facing the daunting task of rebuilding their homes and lives. If your insurance company is unresponsive or has denied your claim, Florin|Roebig Attorneys are here to help. With deep expertise in hurricane damage claims, our Florida-based team knows the intricacies of insurance policies and is dedicated to defending your rights.
Our mission at Florin|Roebig is to secure the full compensation you deserve, helping you rebuild and recover after disasters like Hurricane Milton. With 40 years of experience and over $1 billion recovered for clients, we hold insurers accountable at every step.
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.
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