On October 9, Hurricane Milton made landfall in West Central Florida, bringing sustained winds of 120 mph, a storm surge reaching 13 feet, and over 18 inches of rainfall. This powerful storm resulted in at least 17 confirmed fatalities and left 3.4 million residents without power. Arriving just two weeks after Hurricane Helene, Milton compounded the destruction, delivering a devastating one-two blow for many Floridians already struggling to recover.
For countless residents, the difficult journey of rebuilding is further complicated by the challenges of dealing with insurance companies. Unfortunately, not all policyholders receive the prompt or fair support they need during a crisis, leaving many feeling abandoned when they need assistance most.
In this article, we examine Hurricane Milton’s ongoing impact on the New Smyrna Beach community, the types of storm damage homeowners commonly face, and how an experienced hurricane damage attorney can be a critical advocate. You’ll also find guidance on filing an insurance claim and essential steps to take if your claim is denied.
How Did Hurricane Milton Affect New Smyrna Beach?
Hurricane Milton brought maximum sustained winds of 85 mph, gusts of 99 mph, and over 12” of rain to New Smyrna Beach, a city in Volusia County with a population of 30,142 (per 2020 Census data). Property owners are now faced with widespread destruction, flooding, and debris from Hurricane Milton’s path.
Volusia County leaders report that Hurricane Milton caused $267 million in damages within the county, impacting over 5,100 properties. Many residents experienced severe flooding, with some homeowners stranded in their homes and vehicles submerged. A major impact to the area was high winds and heavy rains that brought down trees and power lines.
Ahead of the storm, Volusia County issued an evacuation order starting at 8 a.m. on Wednesday, Oct. 9. The order covered areas east of the Intracoastal Waterway, all manufactured and mobile homes, campsites and RV parks, and low-lying regions. New Smyrna Beach saw extensive power outages, widespread road closures, and debris piles across nearly every property. To ensure public safety, a curfew was in effect from October 9 to 10 to limit traffic.
DeLand’s water and sewer services remained operational; however, flooding from Hurricane Milton has led to stormwater infiltration in the sewer system, putting additional strain on pump stations and treatment processes. To help reduce the load on DeLand’s Water Reclamation Facility, residents were asked to limit water use. Simple actions like avoiding dishwashing, holding off on laundry, and taking shorter showers can make a significant difference until the area’s flooding subsides.
What Are Your Options If Your Home Is Affected by Hurricane Milton?
People in New Smyrna Beach 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 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, “If your property has been damaged and your insurance claim is delayed, undervalued, or denied, securing legal support can be essential to obtaining the compensation you deserve. An experienced attorney will stand up for your rights, guiding you through the claims process so you can focus on rebuilding your home and getting your life back on track.”
Consider each of these important steps as you begin to take action after the storm:
Record the Damage
Once your property is safe after the storm, start by thoroughly documenting any damage to it in New Smyrna Beach. Take clear photos and videos of affected areas, including broken windows, roof damage, flooding, and structural issues. Be sure to also inventory damaged personal items such as furniture, electronics, and appliances. Comprehensive documentation is key to ensuring your insurance claim accurately reflects your losses.
Make Temporary Fixes
After documenting, make necessary temporary repairs to prevent further damage. For example, cover broken windows or place a tarp over a damaged roof to limit additional harm. Keep 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 can be a complex process, as policies often detail specific terms regarding coverage. Review your policy closely and include all required documentation to support your claim, helping you receive the full coverage you’re entitled to.
Apply for Government Assistance
Navigating disaster assistance options can feel overwhelming, especially while trying to rebuild. Local authorities in New Smyrna Beach and Volusia County are committed to connecting residents with needed support. Check their websites and social media channels for guidance on recovery programs such as FEMA assistance and other relief options.
In response to widespread destruction, President Biden issued a Major Disaster Declaration for Florida on October 11, 2024, unlocking federal aid for recovery in hard-hit areas like Volusia County, which was impacted by Hurricane Milton starting October 5.
Although these resources are essential, the claims process can be challenging in heavily affected areas like New Smyrna Beach. Partnering with a skilled hurricane attorney can provide peace of mind, ensure your legal rights are protected, and handle your paperwork efficiently.
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 inflict a wide range of damage on homes and businesses. In New Smyrna Beach, some of the most common types of hurricane-related destruction include:
Wind Damage: Hurricanes’ powerful winds 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, in more extreme cases, collapse of roofs or walls.
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 the various types of hurricane damage is crucial when filing an insurance claim. By thoroughly documenting and reporting each type of damage, you maximize your chances of receiving the full compensation you deserve.
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How Can a Hurricane Damage Lawyer Help?
A hurricane damage attorney can be an essential ally in managing the aftermath of a storm like Hurricane Milton. Here are several ways an attorney can support you through 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
Unfortunately, denied claims are common. Many homeowners in New Smyrna Beach find their insurance claims denied after a hurricane. If this happens to you, don’t lose hope—there are steps to 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 can be a complex and frustrating process. Follow these steps to ensure your claim is handled correctly:
Contact Your Insurance Company
As soon as possible, 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. Your insurance company should reimburse you for these expenses 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 Assist You
Hurricane Milton has left countless New Smyrna Beach, Florida, residents 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, Florin|Roebig Attorneys are here to help. With in-depth experience in hurricane damage claims, our Florida-based team can handle the complexities of insurance policies and is dedicated to defending your rights.
At Florin|Roebig, our goal is to secure the full compensation you deserve, empowering you to rebuild and move forward after a disaster like Hurricane Milton. With 40 years of experience and over $1 billion recovered for our clients, we are committed to 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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