On October 9, Hurricane Milton hit West Central Florida with sustained winds of 120 mph, a storm surge reaching 13 feet, and over 18 inches of rainfall. The powerful storm resulted in at least 17 confirmed fatalities and left 3.4 million people without electricity. Just two weeks after Hurricane Helene, Milton delivered a devastating one-two punch to many Florida residents, compounding the damage from both storms.
For many, this already overwhelming situation is made even more stressful by the unexpected hurdles that arise when dealing with insurance companies. Sadly, not every policyholder receives the prompt or fair support they need during times of crisis.
In this article, we’ll delve into the lasting impacts of Hurricane Milton on the Largo community, the common types of destruction these storms leave behind, and how an experienced hurricane damage attorney can provide invaluable support. We’ll also guide you through the steps involved in filing an insurance claim and offer advice on what to do if your claim is denied.
How Did Hurricane Milton Affect Largo?
The hurricane brought powerful winds, torrential rain, and a strong storm surge to Largo, the third-largest city in Pinellas County. Property owners are now faced with widespread destruction, flooding, and debris from Hurricane Milton’s path.
On September 26, Hurricane Helene caused flooding in parts of Largo, particularly in areas near Allen’s Creek and Indian Rocks Road, though much of the city escaped severe damage. However, just two weeks later, Hurricane Milton swept through the already strained region on October 9, unleashing strong winds and heavy rains across the Tampa Bay area. Although it made landfall 75 miles to the south in Siesta Key, Largo, and nearby inland communities faced significant destruction. Downed trees and power lines left widespread power outages, while homes suffered damage ranging from collapsed fences to caved-in roofs.
To prepare for the storm, a shelter was set up at Largo High School, where 2,800 people sought safety. Around 70,000 Largo residents were without power, and city and county officials worked around the clock to keep water treatment plants running. A Disaster Recovery Center is open at the Florida Botanical Gardens and Feeding Tampa Bay is offering food assistance for Pinellas County residents. Nearly every home experienced some damage or loss or was left with piles of debris needing to be cleaned up after the storm.
What Are Your Options If Your Home Is Affected by Hurricane Milton?
People in Largo 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 storm surge
- 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, “As a homeowner dealing with the aftermath of a hurricane, you have enough to worry about without the added stress of fighting with insurance companies. If your property has been damaged and your claim is delayed, underpaid, or denied, it’s important to seek legal help to ensure you’re getting the full compensation you deserve. An experienced attorney can help protect your rights and guide you through the complex claims process, so you can focus on rebuilding your home and your life.”
Consider each of these important steps as you begin to take action after the storm:
Record the Damage
As soon as it’s safe after the storm, your first priority should be documenting the damage to your property in Largo. Capture photos and videos of all affected areas, including shattered windows, roof damage, flooding, and any structural problems. Make sure to also list damaged personal belongings, such as furniture, electronics, and household appliances. Thorough documentation is essential for ensuring your insurance claim accurately reflects the full extent of your losses.
Make Temporary Fixes
After documenting the damage, it’s often necessary to make temporary repairs to prevent further deterioration. For instance, covering broken windows or securing a tarp over a damaged roof can help minimize additional harm. Be sure to keep receipts for any temporary repairs, as these expenses may be eligible for reimbursement through your insurance.
Submit Your Insurance Claim
Once your property is secure, the next step is to file a claim with your homeowner’s insurance company. This process can be challenging, as policies often include detailed terms regarding what is covered and what is excluded. Make sure you thoroughly review your policy and submit all required documentation to support your claim. This ensures that you are positioned to receive the coverage you’re entitled to.
Apply For Government Assistance
Dealing with disaster assistance options can feel overwhelming, especially when you’re already trying to rebuild your life. Thankfully, local authorities in Largo and Pinellas County are committed to helping residents access the support they need. They will share valuable information on their websites and social media platforms, guiding you toward recovery programs such as FEMA assistance and other relief options.
In recognition of the widespread destruction, President Biden issued a Major Disaster Declaration for Florida on October 11, 2024. This opens the door to federal aid for recovery efforts in hard-hit areas like Pinellas County, following the devastation caused by Hurricane Milton from October 5 onward.
While these resources are crucial, navigating insurance claims in areas hit hardest, like Largo, can be complicated. It’s not uncommon to encounter obstacles during the claims process. Partnering with a qualified hurricane attorney can give you peace of mind, ensuring that your legal rights are upheld and 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.
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What Damages Can a Hurricane Like Milton Cause?
Hurricanes like Milton can inflict a wide range of damage on homes and businesses. In Largo, some of the most common types of hurricane-related destruction include:
Wind Damage: The powerful winds from hurricanes 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.
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 more extreme cases where roofs or walls collapse entirely.
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 these different types of hurricane damage is essential when filing an insurance claim. Thoroughly documenting and reporting each form of damage ensures you’re in the best position to receive full compensation.
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
Sadly, it’s not uncommon for homeowners in Largo to face denied insurance claims following 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 clearly, 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 you are able, 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. These expenses should be reimbursed by your insurance company 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 countless residents in Largo, Florida, facing the daunting task of rebuilding their homes and lives. If you’re struggling with an unresponsive insurance company or have had your claim denied, the team at Florin|Roebig Attorneys is here to help. With extensive experience in hurricane damage claims, we understand the intricacies of insurance policies and are committed to fighting for your rights.
At Florin|Roebig, we focus on securing the full compensation our clients are entitled to, ensuring they can restore their homes and begin moving forward after a catastrophe like Hurricane Milton. With 40 years of legal expertise, we’ve successfully recovered over $1 billion in compensation 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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