Located in Brevard County, Palm Bay is a city on Florida’s Atlantic coast. The population in the town is 119,330, according to the 2020 Census. To prepare for the storm, Mayor Rob Medina signed a legislative order declaring a local state of emergency for the City of Palm Bay effective Tuesday, October 8, 2024, at noon.
Hurricane Milton hit Palm Bay with powerful winds, rain, and flooding that left thousands of area residents without power. The storm led to at least 24 confirmed deaths across Florida and left many with major damage to their homes and property.
Those who have experienced property damage may need to file a claim with their homeowner’s insurance to receive the compensation they are entitled to. Navigating insurance claims and challenges with your insurance company can be quite daunting, which is where the expert attorneys of Florin|Roebig come in.
Our board-certified attorneys have over 30 years of experience and a proven track record of winning over $1 billion in compensation for our clients. Contact Florin|Roebig today for a free consultation and help filing your hurricane damage insurance claim.
Attorney Hal Weitzenfeld says, “Florin|Roebig is a local firm with ties to the community in which we live and work. We know firsthand the issues homeowners can face with hurricane damage claims. We can guide you through this difficult time by making the claims process as smooth as possible.”
What Are Your Options If Your Home Is Affected by Hurricane Milton?
If you’re a Palm Bay resident dealing with the aftermath of Hurricane Milton, you’re likely feeling overwhelmed and uncertain about what to do next. In times like these, it’s completely normal to feel shaken and anxious. The first priority is ensuring the safety and well-being of yourself and your loved ones. Take a moment to assess everyone’s health, both physically and emotionally, and seek any necessary medical attention or support. Once you’ve taken care of your immediate needs, the next step is to start addressing the damage to your home. This process can feel daunting, but breaking it down into smaller, manageable tasks will help. Reach out for assistance if needed—you’re not alone in navigating this challenging time.
Document All Storm Damage
If you were ordered to evacuate, returning to your home may take some time, as you’ll need to wait for official clearance to ensure it’s safe. Once you’re allowed back, your first priority should be assessing and documenting any damage the storm caused to your home and property.
This documentation is crucial for supporting your insurance claim, as it provides the proof needed to help you get the maximum coverage you’re entitled to. By carefully recording the damage, you can make the claims process smoother and faster.
Be sure to take detailed photos and videos of all visible damage to your home, both inside and out. This evidence could be invaluable later, especially if your claim is denied and you need to pursue legal action to get the compensation you deserve.
Make Temporary Repairs
After documenting the damage, it’s important to make temporary repairs where possible, depending on the severity of the destruction. These quick fixes can help prevent further harm to your home and belongings, minimizing additional costs. For instance, covering broken windows, tarping a damaged roof, or sealing leaks can protect your property from worsening conditions.
If the damage isn’t too severe, these temporary repairs can also help make your home more livable while you wait for more permanent solutions. Just be sure to keep receipts for any materials you purchase, as these expenses may be reimbursable through your insurance claim.
Review Your Homeowner’s Policy
After assessing and documenting the damage, it’s crucial to carefully review your homeowner’s insurance policy to fully understand your coverage. Familiarizing yourself with the specific terms of your policy will help you be better prepared when filing a claim. You’ll gain clarity on important details, such as what types of damage are covered, the amount of coverage available, and what your deductible might be. This knowledge can help you manage expectations, avoid surprises, and ensure you get the compensation you’re entitled to as you begin the recovery process.
Contact Your Insurance Provider
Once you’ve documented the damages and reviewed your insurance policy, the next step is to contact your insurance provider to file a claim. Having your documentation—such as photos, videos, and repair receipts—along with your policy information ready will help streamline the process and avoid delays.
It’s also important to be mindful of any deadlines for filing a claim, as many policies require claims to be submitted within a specific time frame following the event. Check your policy for this time limit, and make sure to file your claim as soon as possible to ensure you’re eligible for coverage.
Get The Damage Assessed
Your insurance company will task an insurance adjuster to come out to your home and inspect the damages documented in your claim. It’s important that you are present for any inspections as the insurance adjuster will be able to provide estimates for repairs or have professionals come to assess the costs. If you feel as though the estimates are not accurate, don’t be afraid to speak up.
Apply For Government Assistance
In addition to insurance coverage, it’s important to know that there are several opportunities for government assistance to help cover additional costs related to the storm. Look to the Palm Bay and Brevard County websites and social media accounts for more information on government assistance through FEMA and other resources.
On October 11, 2024, President Biden approved a Major Disaster Declaration for Florida, making federal assistance available, including to Brevard County. These funds will help with recovery efforts in areas affected by Hurricane Milton.
Hire a Hurricane Damage Lawyer
Unfortunately, insurance claims are not always an easy process and can come with many obstacles, especially during an influx of claims after a series of catastrophic storms. It’s crucial that you have an expert on your side to advocate for your rights and compensation. The experienced attorneys of Florin|Roebig are ready to get the job done.
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What Damages Can A Hurricane Like Milton Cause?
A devastating storm like Hurricane Milton can have far-reaching, life-altering effects on homes, property, and the well-being of Florida residents. In the aftermath, it’s essential to focus not only on recovery but also on protecting your financial future by filing an insurance claim. To ensure you receive the maximum compensation you’re entitled to, it’s important to understand the full scope of the damage that could be affecting your home and property, as this plays a critical role in your claim.
While some damage may be obvious, such as broken windows or roof leaks, other issues—like structural damage, mold, or electrical problems—may not be immediately visible. Take the time to thoroughly inspect your home, checking hidden areas like your attic, basement, and behind walls, to ensure nothing is overlooked. Identifying and documenting all damage upfront can make a significant difference in the outcome of your claim and help you move forward with the resources you need to rebuild in Palm Bay.
Possible types of damage due to Hurricane Milton include:
Water Damage and Flooding: With heavy rain and flooding, many homes and other kinds of property may have experienced flooding and water damage. The water can not only damage the foundation of your home but also your belongings and eventually lead to mold growth.
Wind Damage: Extreme winds such as those from Hurricane Milton could have also caused damage to your house. This is because the high-force winds and resulting tornadoes can cause debris and other dangerous items to damage your home.
Structural Damage: Structural damage may be harder to identify at first glance, so it’s important to proceed with caution when entering a building that appears to be standing following a hurricane. Torn walls, roof damage, and a weakened foundation are all forms of structural damage that could occur.
Landscaping and External Damage: Exterior structures and your yard may have also incurred damage from the storm. With little to no protection from the elements, even if your home seemed to make it through, your external property may have suffered damages.
Personal Property Damage: In addition to structural damage, personal property such as furniture, clothing, electronics, and other valuable or sentimental items may also be affected by the storm. It’s important to carefully document any damage to these belongings as part of your claim. Take detailed notes and photographs of each item, and refer to your insurance policy to see what is covered under your plan. Some policies may provide compensation for personal property losses, while others may have limits or exclusions, so understanding your coverage can help ensure you receive the maximum reimbursement for your damaged possessions.
Secondary Damage: Secondary damages can occur after the storm due to flooding and exposure to the harsh environment. These damages may also be covered, so be sure to review your policy and include them in your claim.
It can be difficult to comprehend all of the damage you have incurred due to a storm. This is why having Florin|Roebig to guide you along the way can be so helpful. Our expert attorneys are qualified to assist you in ensuring all of your damages are accounted for and you receive the payout you deserve.
“At Florin|Roebig, we know exactly how to pull together a comprehensive, well-supported claim, and we’re willing to speak to the insurance company on your behalf. While many claims can be settled without going to court, we know how to advocate for your best interests throughout the entire negotiation process,” says attorney Hal Weitzenfeld.
How Did Hurricane Milton Affect Palm Bay?
Hurricane Milton affected many parts of Brevard County including Palm Bay. Although the storm was a Category 1 hurricane when it reached Brevard in the early hours of October 10, 2024, a suspected tornado heavily damaged several buildings and homes, and street flooding was reported throughout the county.
Brevard saw extensive wind damage with gusts as high as 92 mph recorded in the county. Downed power lines, power outages, and various types of property damage caused four Brevard shelters to house more than 550 people. There were no confirmed deaths in the county.
Coping with the aftermath of a hurricane can be incredibly stressful, overwhelming, and emotionally draining. Navigating insurance claims while trying to rebuild your life adds even more pressure during an already difficult time. At Florin|Roebig, we’re here to help alleviate some of that burden by guiding you through the complex claims process. Our experienced team will ensure that your insurance company treats you fairly and doesn’t engage in bad faith practices, so you can focus on recovering and getting the compensation you deserve. We’re committed to standing by your side every step of the way.
What to Do if Your Insurance Claim Is Denied After a Hurricane
You pay your premiums, so you expect your insurance provider to be there for you in difficult times. Unfortunately, this isn’t always the case. Many times, insurance companies want to protect their bottom line. When they’re overwhelmed with claims due to natural disasters, it can be easy for claims to slip through the cracks or get backlogged.
If your insurance company does any of the following things, contact Florin|Roebig law firm immediately:
- Your adjuster will not answer, gives you the wrong number, or will not return your calls.
- You are given a settlement offer that is not enough to repair the damage done to your property.
- Your insurer says the damage is worth less than your deductible amount.
- Your insurance claim is denied.
- Your insurance claim is accepted, but the process is taking too long or your insurer is delaying payment.
- Your insurer claims that you need a separate flood insurance policy to cover the damages.
At Florin|Roebig, our lawyers have years of experience with the complexities of hurricane insurance claims. Our job is to be your advocate and make sure you are treated with the respect and compassion you deserve.
How Can a Hurricane Damage Lawyer Help?
Hiring a hurricane damage lawyer, like the trusted and experienced attorneys at Florin|Roebig, ensures that you have a skilled advocate on your side throughout the often challenging and complex insurance claim process. With their expertise, you can navigate the legal and insurance hurdles with confidence, knowing that your rights are protected and that you’re in the best possible position to secure the compensation you deserve. Florin|Roebig’s reliable team will handle the legal intricacies so you can focus on recovering and rebuilding after the storm.
A property damage lawyer can help by:
- Helping to collect evidence including repair estimates, expert opinions, and pictures and videos to bolster your claim
- Negotiate the maximum compensation under your insurance policy and get into the weeds of insurance company jargon
- Represent you in court if your company does not comply
The offices of Florin|Roebig are no stranger to the tricks insurance companies may try to pull when you file a claim. Let us take the wheel and make sure you get the money you are owed.
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How To Get Help From Florin|Roebig Attorneys
The attorneys at Florin|Roebig offer free consultations to help you determine whether hiring a lawyer is the best decision for your situation. In the wake of a disaster like Hurricane Milton or Hurricane Helene, you deserve to be fairly compensated for your losses. After all, you’ve been paying your insurance premiums, and now it’s time for your insurer to fulfill their obligation and honor your claim.
Don’t hesitate to reach out to the offices of Florin|Roebig today. Our team is ready to discuss your case, answer your questions, and help you schedule your free case evaluation. We’re here to ensure you get the support and compensation you deserve.
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