The state of Florida is known for both its beautiful tourist destinations and its devastating weather. While you may be used to dealing with insurance companies and cleaning up storm damage, you may also find that Hurricane Milton has created additional challenges. Working with an insurance claim attorney can ensure you file promptly and hold insurance companies to their policy promises.
Florin|Roebig hurricane lawyer Luca G. Esposito sympathizes, “With the amount of debris still uncollected from Hurricane Helene, properties have additional projectiles stacked along the roadways that were thrown around beginning earlier Wednesday with tornadoes preceding Hurricane Milton. Between the winds and storm surge, the damage is unreal, but our legal team is ready to help you file insurance claims and fight for maximum compensation for hurricane storm damage.”
What Are Your Options If Your Home Is Affected By Hurricane Milton?
If your home has been affected by Hurricane Milton and you evacuated, you may have to wait a while to return. When you can get to your home and assess it, you’ll need to know your hurricane damage options. Review your homeowner and other relevant insurance policies.
The hurricane claim process requires you to show proof of storm damage, so be sure to walk your entire property with a phone or camera, getting pictures and video of every detail. It helps to make a list of any issues that you see, and it’s even better if you manage to get pictures before the storm for comparison. With two major storms occurring back-to-back, insurance companies may deny claims if you file for damages on the incorrect incident.
If your home is liveable or can be made so, you’ll want to handle damage control and begin repairs quickly. Reach out to your insurance company to start a claim while you work on your house. If your house is unlivable, you’ll need to find temporary housing.
In the aftermath of this hurricane season, Florida insurance adjusters will be overwhelmed with claims. It can take a long time to process these quantities, and one solution bad actors put into practice is to deny claims to avoid or postpone dealing with them.
Working with Florin|Roebig means that we’ve got you covered when it comes to pushing insurers to approve claims and get checks in the mail. We know it’s hard to meet basic needs in times like these, and we’ll help you get connected with local resources to bridge the gap.
Government assistance programs and relief efforts by civic and non-profit organizations play an important role in the hurricane claim process, providing much-needed respite from the hard realities of insurance claim challenges and storm damage cleanup.
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What Damages Can A Hurricane Cause?
As the nation witnessed just under two weeks prior, storms like Hurricane Milton can lead to widespread destruction, completely wiping homes, businesses, and even entire communities.
These are some of the main hurricane damages reported:
- Wind damage: Strong winds knock down plant life, tear off housing fixtures, and fling random debris everywhere. In addition to the damage caused by these wind-created missiles, there is further destruction anywhere they land.
- Water damage and flooding: Rushing, raging floodwaters carry objects miles from their origins. Residual water holds bacteria that can make you sick and destroy belongings in a few hours.
- Structural damage: The exterior and interior components of your buildings (roofs, walls, foundations) can sustain significant damage during and following a major storm.
- Personal property damage: If your items don’t get carried away in winds or floodwaters, they grow mold from the hurricane moisture or become damaged by other storm elements.
- Landscaping and exterior property damage: The land your structure sits on can be torn up by strong winds, heavy rains, and flying debris. Vehicles left out in the weather can get totaled as well.
Secondary issues caused by Hurricane Milton can get missed but should be added to your property damage claim. For example, exposed plumbing and electrical systems may be unsafe. The amount of water and how long it’s present can lead to waterlogged furniture and heavy mold buildup that’s dangerous to breathe in.
If you’re unsure of what belongs on your Hurricane Milton insurance claim, contact Florin|Roebig. Our initial consultation is free, and we’ll help you understand the legal jargon involved in filing your claim.
How Did Hurricane Milton Affect Different Areas Of Florida?
After landfall, Hurricane Milton tracked north and across the state to the East Coast and Atlantic Ocean. Millions are without power and many lives have been lost as the deadly storm continues. Florida hurricane areas include most of the state, with counties in Central East, Central, and Central West Florida bearing the brunt.
Hurricane Milton’s impact on Florida includes South Florida cities like Miami and Key West and Northeast cities like Jacksonville. Earlier in the day, over 16 tornadoes were confirmed as leading the Gulf of Mexico storm that was downgraded from a Category 5.
Storm surge damage from walls of water reaching heights up to 13 feet is affecting most of the coast and barrier islands from the Panhandle all the way around the state’s coastal borders. The highest coastal hurricane damage is expected in the Siesta Keys and nearby Tampa, Clearwater, and St. Petersburg.
What To Do If Your Insurance Claim Is Denied After Hurricane Milton
Handling initial paperwork for insurance claims is a hassle. It’s even more of a bother when your claims are denied. Insurance companies have to explain denied hurricane claims, and you can use that information to appeal, though you may have to ask for a detailed explanation letter.
Insurance companies can deny claims that don’t provide sufficient documentation to prove damages, are excluded from policy coverage, or may be filed against an incorrect policy. This is why it’s so important to understand your explanation of benefits (EOB) and use that knowledge in your hurricane claim dispute.
Take these steps in an insurance claim appeal:
- Send a demand letter to the insurer for the specifics on why your claim was denied.
- Read over all policy information to understand your coverage and what might not fall under it.
- Submit an appeal or reconsideration to your insurance provider.
If you haven’t done so at this point in the claims process, now is a great time to seek a lawyer for the denied insurance claim. Having an attorney who’s familiar with hurricane damage claims in Florida can save you hours of frustration with the system. Let Florin|Roebig take care of your legal issues while you focus on rebuilding.
How Can A Hurricane Damage Lawyer Help?
A hurricane damage attorney offers legal help for hurricane claims so you and your loved ones have peace of mind that your case is professionally managed. Our Florin|Roebig legal team ensures that evidence and other documentation for your claims gets sent to all necessary parties.
Hurricane lawyer help includes negotiating with insurance companies on your behalf, putting our expertise to work interpreting your policy limits, and applying disaster-related laws. The most important thing is to move as quickly as possible. Delaying past deadlines is a favored insurance company tactic their representatives and insurance lawyers employ.
Attorney Luca G. Esposito explains, “Filing lawsuits isn’t usually required, but Florin|Roebig isn’t afraid to do it. You deserve qualified legal representation during the storm damage claims process for Hurricane Milton’s destruction.”
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How To Get Help From Florin|Roebig Attorneys
If you want to work with one of the most experienced law firms when it comes to hurricane and storm damage claims, then Florin|Roebig attorneys are your best option. We’ve spent the past three decades honing our legal strategies and customizing each one to our clients’ individual case needs. Our track record is full of success stories, positive client testimonials, and rewarding peer reviews.
Curious and want more information about working with a Floring|Roebig hurricane lawyer? Our client-first approach starts with a free case evaluation to determine if we’re a good fit for one another. We’ll also be clear about your claim validity and compensation possibilities. If all parties agree, we develop a legal strategy tailored to your case.
There are no upfront fees for clients working with our hurricane insurance claim lawyers. It’s contingency-fee-based, meaning we don’t see a payout unless we win your case. Contact Florin|Roebig today to set up a free consultation with a hurricane lawyer.
Seeking legal help immediately after a hurricane to avoid missed deadlines and concerning insurance company claim denial practices. As you rebuild after Hurricane Milton (and Hurricane Helene), Florin|Roebig is here to help you get fair compensation for your hurricane damage claims and protect your legal rights.