Hurricane Milton made landfall in West Central Florida on October 9, 2024, with winds of 120 mph, storm surges of up to 13 feet, and more than 18 inches of rain. This powerful Category 3 storm resulted in at least 17 fatalities and left 3.4 million residents without power. Hitting the area just two weeks after Hurricane Helene, Milton intensified the devastation, striking many Floridians who were still in the early stages of recovery.
Winter Haven felt the brunt of Milton’s high winds and heavy rain. For many residents, recovery is complicated further by the often challenging insurance claims process. Delays, denials, and undervalued claims frequently leave policyholders without the support they need in these critical times.
As a Florida-based legal team, Florin|Roebig Attorneys understands the unique obstacles facing Winter Haven and other hurricane-impacted communities. In this article, we explore Hurricane Milton’s impact on Winter Haven, common types of storm damage, and how an experienced hurricane damage attorney can be a vital advocate. We also provide guidance on filing insurance claims and advice on what to do if a claim is denied.
How Did Hurricane Milton Affect Winter Haven?
Hurricane Milton’s passage through Polk County caused scattered reports of downed trees and localized wind and flood damage. In the wake of the storm, city offices and facilities were closed, schools were closed, a sandbag station was opened, and several shelters and food pantries were opened. Many roads were blocked by debris and standing water, making travel dangerous. In Winter Haven, the intersections of 42nd Street NW & Avenue Q NW and 42nd Street NW & Avenue G NW were completely flooded.
Winter Haven, home to 49,219 residents (2020 Census), now faces property damage, flooding, and debris cleanup. Those who need help cleaning up damage from Hurricanes Helene and Milton can request assistance through the Crisis Cleanup hotline at 844-965-1386. The U.S. Army Corps of Engineers opened Operation Blue Roof through November 5 so residents impacted by Hurricane Milton can sign up for free tarp service (888-ROOF-BLU).
What Are Your Options If Your Home Is Affected by Hurricane Milton?
Winter Haven residents likely experienced many 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
- Destroyed sheds and lawn equipment
- 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. Florin|Roebig attorney Luca G. Esposito says, “In the wake of a hurricane, navigating insurance claims can be overwhelming. When delays, denials, or low settlement offers arise, an experienced attorney can step in to protect your interests and help secure the resources you need to rebuild and recover.”
How To Begin Recovery From Hurricane Milton
Recovery can be a slow journey and takes patience, especially when so many of your neighbors are facing similar struggles. You can be prepared by knowing the potential tasks you will face in the process. Keep these essential steps in mind as you start your recovery after the storm:
Record the Damage
Once it’s safe, begin by carefully documenting any damage to your Winter Haven property. Take clear photos and videos of all affected areas, such as broken windows, roof damage, flooding, and structural issues. Also, create an inventory of damaged personal items, including furniture, electronics, and appliances. Thorough documentation is crucial to ensure your insurance claim fully reflects the extent of your losses.
Make Temporary Fixes
After documenting the damage, make temporary repairs to prevent further issues. Cover broken windows and place a tarp over any roof damage to limit additional harm. Save receipts for these repairs, as they may be eligible for reimbursement from your insurance.
Submit Your Insurance Claim
Next, file a claim with your homeowner’s insurance provider. This process can be complex, as policy details often specify terms of coverage. Review your policy carefully and include all necessary documentation to strengthen your claim and position yourself to receive fair coverage.
Apply for Government Assistance
Navigating disaster assistance can be challenging, especially during the initial rebuilding period. Winter Haven officials are working to connect residents with available resources. Polk County is included in FEMA-4834-DR for Individual Assistance (assistance to individuals and households). Homeowners can apply through DisasterAssistance.gov or by calling the FEMA Helpline at 800-621-3362.
Consult a Hurricane Damage Attorney
Many homeowners assume their insurance company will act in their best interest, but this is not always the case. If you face delays, low settlement offers, or outright denials, hiring a hurricane damage attorney can be invaluable. An experienced attorney can negotiate with the insurer to ensure your claim is fairly evaluated and help you recover the full compensation you’re entitled to.
What Damages Can a Hurricane Like Milton Cause?
Hurricanes like Milton and Helene can bring widespread destruction to homes and businesses. In Winter Haven, common forms of hurricane-related damage include:
Wind Damage: A hurricane’s powerful winds are often one of the greatest threats, frequently causing damage to roofs, windows, doors, and siding. In severe cases, high winds can rip off sections of roofs or uproot trees, which can then fall onto buildings, causing further destruction.
Flooding: Flooding is often the most destructive impact of a hurricane. Heavy rainfall and standing water can lead to extensive water damage in basements, lower floors, and sometimes entire homes. Floodwaters can weaken a building’s foundation, encourage mold growth, and destroy personal belongings.
Structural Damage: In extreme cases, hurricanes can seriously weaken the structural integrity of buildings. This might include cracks in walls or foundations, or, in the worst cases, the partial or full collapse of roofs or walls.
Debris Damage: Flying debris during a hurricane poses additional hazards. Broken windows, dented siding, and damaged fences are common, while larger debris can cause severe damage to homes, vehicles, and outdoor structures.
Power Outages and Secondary Damage: Extended power outages can lead to secondary problems, such as food spoilage, HVAC malfunctions, or burst pipes if a building’s structure is compromised. In Florida’s humid climate, prolonged power loss can also exacerbate mold issues in water-damaged homes.
Understanding these types of hurricane damage is essential when filing an insurance claim. By thoroughly documenting and reporting each type of damage, you improve your chances of securing the full compensation you deserve.
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How Can a Hurricane Damage Lawyer Help?
In the aftermath of a storm like Hurricane Milton, an experienced hurricane damage attorney can be an essential asset. Here’s how these experts can help guide you through the complex claims process:
Reviewing Your Insurance Policy: Insurance policies are often filled with confusing terms, exclusions, and conditions. A hurricane damage lawyer will review your policy thoroughly, clarifying what is and isn’t covered and identifying any limitations that may apply to your case.
Filing and Negotiating Your Claim: Navigating the insurance claim process can be overwhelming, especially after significant damage to your home. An attorney will manage this process for you, filing your claim accurately and ensuring all necessary documentation is included.
Maximizing Your Compensation: Insurance companies may try to settle claims for less than the full amount. A hurricane damage lawyer will work to ensure that your claim reflects the complete costs of repairs, replacement of personal property, and any temporary living expenses you incur during repairs.
Challenging Denied or Underpaid Claims: If your claim is denied or undervalued, an attorney can dispute the decision and, if necessary, pursue your case in court. Florin|Roebig Attorneys are Floridians who are highly experienced in hurricane-related litigation and are prepared to fight for the compensation you deserve.
Providing Peace of Mind: One of the greatest benefits of hiring a hurricane damage lawyer is knowing that a knowledgeable professional is handling your case. With Florin|Roebig Attorneys by your side, you can focus on rebuilding while they manage the legal details.
What To Do If Your Insurance Claim Is Denied After a Hurricane
Dealing with a denied insurance claim after a hurricane is a common challenge for many Winter Haven homeowners, but denial doesn’t have to be the end of the road. Here are steps you can take to address this setback:
- Review the Denial: Start by closely reviewing the denial letter from your insurer, which should outline the reasons for the decision. Often, denials stem from incomplete paperwork or misunderstandings about the damage. Understanding these specifics is essential in determining your next steps.
- Consult a Hurricane Damage Attorney: If your claim is denied, consulting with an experienced hurricane damage attorney can make a big difference. They can review your policy, assess the denial, and determine if the insurer acted in bad faith. Additionally, an attorney can negotiate on your behalf and, if necessary, pursue legal action.
- File an Appeal: Many denied claims are eligible for appeal, which usually involves submitting additional documentation or correcting any missing information. An attorney can ensure that your appeal is well-supported, meets all requirements, and is filed within the proper timeframe.
- Consider Legal Action: If the appeal doesn’t lead to a fair resolution, your attorney may recommend filing a lawsuit against the insurer. This legal step can compel the insurance company to fulfill the full claim amount or face penalties for bad faith practices.
By following these steps, you can improve your chances of a fair outcome and secure the support you need to recover.
Steps to Take When Filing an Insurance Claim After Hurricane Milton
Filing an insurance claim after a hurricane like Milton can be challenging, but certain steps can increase your chances of full compensation.
File An Insurance Claim
Start by contacting your insurer immediately to report the damage and initiate the claims process; an adjuster will then assess the damage and estimate repair costs.
Document All Damages
Take clear photos and videos of all damage, inside and outside, and create an inventory of affected personal items, noting values and purchase dates if possible. This evidence will support a comprehensive claim.
Record All Expenses
Track all related expenses, including temporary lodging, emergency repairs, and essentials. Keep receipts, as these costs are often reimbursable under your claim.
Be Prompt
Submit your claim promptly to avoid issues with policy deadlines. Filing early can prevent delays, and consulting an experienced hurricane attorney can help ensure your paperwork is complete and timely.
Seek Legal Advice
Consider hiring a hurricane damage attorney to navigate the complex claims process, especially in heavily affected areas like Winter Haven where repeated storms have left widespread damage. Partnering with an experienced hurricane attorney, such as those at Florin|Roebig, can provide peace of mind, protect your legal rights, and ensure that all necessary paperwork is managed accurately and efficiently.
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How Florin|Roebig Attorneys Can Support Your Recovery
In the wake of Hurricane Milton, many Winter Haven residents face the overwhelming challenge of rebuilding their homes and lives. If you’re dealing with an unresponsive insurance company or a denied claim, Florin|Roebig Attorneys are here to assist. Our Florida-based team has extensive experience in hurricane damage claims and a thorough understanding of the complexities of insurance policies, ensuring that your rights are fully protected.
At Florin|Roebig, our mission is to secure the compensation you deserve, enabling you to rebuild and move forward after a disaster like Hurricane Milton. With four decades of experience and over $1 billion recovered for clients, we stand ready to hold insurers accountable every step of the way.
If you need help with your claim or have questions about your policy, contact Florin|Roebig today to learn more about our services or to schedule a free consultation.
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