Port Orange, located in Volusia County just south of Daytona Beach, is a vibrant family community with a population of 69,437, according to the 2020 Census. In anticipation of Hurricane Milton, the city council declared a local state of emergency on Tuesday, October 7, 2024, to prepare for the approaching storm.
When Hurricane Milton made landfall, it brought devastating winds, heavy rain, and widespread flooding, leaving thousands of Port Orange residents without power. The storm tragically claimed at least 24 lives across Florida and caused significant damage to homes and property throughout the area.
If your property was damaged, you may need to file a claim with your homeowner’s insurance to receive the compensation you’re entitled to. However, navigating the complexities of insurance claims can be overwhelming. That’s where the expert attorneys at Florin|Roebig can help.
With over 30 years of experience and a track record of securing more than $1 billion in compensation for clients, our board-certified attorneys are ready to assist you. Contact Florin|Roebig today for a free consultation and professional guidance in filing your hurricane damage claim.
Attorney Hal Weitzenfeld says, “At Florin|Roebig, we are deeply connected to the community where we live and work. We understand the challenges homeowners face after a hurricane, and we know how overwhelming the claims process can be. Our team is here to support you every step of the way, offering compassionate guidance to help make this difficult time a little easier while working to ensure you get the compensation you deserve.”
What Are Your Options If Your Home Is Affected by Hurricane Milton?
As a Port Orange resident facing the aftermath of Hurricane Milton, it’s normal to feel overwhelmed and uncertain about your next steps. In difficult times like these, it’s natural to experience feelings of anxiety and concern. Your first priority should always be the safety and well-being of yourself and your loved ones. Take a moment to check on everyone’s physical and emotional health, and seek medical attention or support as needed. Once immediate needs are met, it’s time to begin addressing the damage to your home. Though the process may seem daunting, breaking it down into smaller, manageable tasks will make it more approachable. Remember, you’re not alone—reach out for support if necessary, and take things one step at a time.
Document the Damage Thoroughly
If you were evacuated during the storm, returning home might take some time, as you’ll need to wait for clearance to ensure it’s safe. Once you’re allowed back, one of the first things you should do is assess and document any damage to your property. This documentation is essential for your insurance claim, as it provides the evidence needed to secure the coverage you’re entitled to.
Be sure to take detailed photos and videos of all visible damage, both inside and outside of your home. These records can be vital if your claim is denied and you need to dispute the decision. Comprehensive documentation will make the claims process smoother and help ensure you get the maximum compensation possible.
Make Temporary Repairs
After documenting the damage, it’s important to make temporary repairs where possible to prevent further deterioration. Quick fixes like covering broken windows, patching leaks, or tarping a damaged roof can help minimize additional damage and reduce costs. These measures will also help make your home more livable while you wait for permanent repairs to be completed.
Make sure to save receipts for any repair materials or services you use, as many of these costs may be reimbursed through your insurance claim.
Review Your Homeowner’s Insurance Policy
Once you’ve assessed the damage, take the time to carefully review your homeowner’s insurance policy. Understanding the specific terms and conditions of your coverage will help you avoid surprises during the claims process. Be sure to note details such as what types of damage are covered, the limits of your coverage, and your deductible amount. This knowledge will prepare you for the steps ahead and help set realistic expectations as you move forward with your claim.
File Your Insurance Claim Promptly
After documenting the damage and reviewing your policy, the next step is to contact your insurance provider and file a claim. Having your documentation ready, including photos, videos, and receipts for any temporary repairs, will help streamline the process. It’s also crucial to be aware of any deadlines for submitting a claim, as many policies require claims to be filed within a certain period following the event. Filing your claim as soon as possible ensures you remain eligible for coverage.
Get A Professional Damage Assessment
Once your claim is filed, your insurance company will send an adjuster to inspect the damage to your home. It’s important to be present during this inspection to ensure nothing is overlooked. The adjuster will provide repair estimates or arrange for professionals to assess the costs. If you believe the estimates provided are too low or inaccurate, don’t hesitate to raise your concerns. Ensuring the accuracy of the damage assessment is key to receiving fair compensation for repairs.
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 Port Orange and Volusia 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 Volusia 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 catastrophic storm like Hurricane Milton can have profound and lasting effects on homes, property, and the well-being of Florida residents. In the aftermath, it’s crucial to not only focus on rebuilding but also on safeguarding your financial future by filing a comprehensive insurance claim. To maximize your compensation, it’s essential to fully understand the extent of the damage to your home and property, as this will directly impact your claim.
While some damage is easy to spot, like shattered windows or roof leaks, other issues—such as structural damage, mold, or electrical hazards—might not be immediately visible. Take the time to carefully inspect your home, including less obvious areas like the attic, basement, or behind walls, to ensure that all potential damage is identified. Documenting everything thoroughly from the start can make a significant difference in your claim’s outcome, providing you with the resources you need to rebuild and recover in Port Orange.
Damages that may be seen from 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 understand the complexities of filing a comprehensive, well-documented insurance claim, and we’re prepared to handle every aspect of the process for you—including dealing directly with the insurance company on your behalf. Our goal is to alleviate the stress of navigating this challenging time, ensuring that your claim is thoroughly supported. Your recovery is our priority, and we’ll be there to guide you through each stage of the process.,” says attorney Hal Weitzenfeld.
How Did Hurricane Milton Affect Port Orange?
Hurricane Milton affected many parts of Volusia County including Port Orange. Although the full effect of the storm was seen on the Gulf Coast, the hurricane was still quite strong when it reached Volusia in the early hours of October 10, 2024. Damage was reported to buildings and homes, debris became a major problem, and street flooding was reported throughout the county.
Port Orange residents can request many forms of assistance including roofing tarps from the U.S. Army Corps of Engineers’ Operation Blue Roof (1-888-ROOF-BLU), sheltering assistance, and food pantries. The Florida Department of Health in Volusia County is waiving well testing fees for bacteria, and utility service late fees and shutoffs are suspended until October 29, 2024.
Dealing with the aftermath of a hurricane can be very stressful and overwhelming. Navigating insurance claims and rebuilding your life can add even more pressure at this difficult time. At Florin|Roebig, we are here to help make the claims process less complicated. Our experienced team will make sure that your insurance company treats you fairly and doesn’t engage in bad faith practices. This way, you can concentrate on recovering and receiving the compensation you deserve. We are committed to supporting you every step of the way.
What to Do if Your Insurance Claim Is Denied After a Hurricane
You pay your insurance premiums with the expectation that your provider will support you when disaster strikes. Unfortunately, this isn’t always the reality. Insurance companies often prioritize their own financial interests, and when faced with an influx of claims after a natural disaster, yours may be delayed, overlooked, or undervalued. While we aim to resolve most claims through negotiation, we are fully prepared to take your case to court if needed. Our team will stand by your side, advocating for your rights and pursuing the compensation you deserve at every stage of the process.
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
At Florin|Roebig, our attorneys not only serve this community but are also proud to call it home. We understand firsthand the challenges our neighbors face in the aftermath of disasters like Hurricane Milton and Hurricane Helene. You’ve paid your insurance premiums with the expectation that your provider will stand by you when it matters most—now it’s their turn to fulfill that promise and compensate you for your losses.
We offer free consultations to help you determine if hiring a lawyer is the right step for your situation. Don’t hesitate to contact Florin|Roebig today. Our local team is here to answer your questions, discuss your case, and schedule a free evaluation, ensuring you receive the support and compensation you rightfully deserve.
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