Storm Damage Insurance Claims: Get the Payout You Deserve ⛈️

Step-by-Step: Filing Your Storm Damage Insurance Claim

Step 1 – Review Your Policy

• Locate Your Policy Documents: Physical or digital copies will detail your coverage, deductibles, and special endorsements.

• Understand Your Deductible: Florida homeowners often have a separate hurricane deductible, which can be higher than the standard one.

• Know Your Coverage Limits: Check if you have “replacement cost coverage,” which pays for new materials, or “actual cash value,” which factors in depreciation.

Step 2 – Document the Damage

• Take Photos & Videos: Capture the roof, gutters, and any interior leaks or water stains.

• Create a List: Itemize damaged structures and personal property.

• 🔦 Pro Tip: Include “before and after” photos if you have them—it helps prove the damage wasn’t pre-existing.

Step 3 – Mitigate Further Damage

• Temporary Repairs: Tarp your roof, seal broken windows, and remove standing water to prevent further harm.

• Keep Receipts: Insurers typically reimburse you for reasonable temporary repair costs.

• ⚠️ Safety First: Avoid walking on a storm-damaged roof without professional help.

Step 4 – Contact Your Insurance Company

• Report the Claim Promptly: Some policies require you to notify the insurer within a specific time frame.

• Request a Claim Number: Keep it handy for follow-up communication.

• Ask About Next Steps: Confirm whether an adjuster will visit your home and what documentation they might need.

Step 5 – Schedule an Adjuster Inspection

• Prepare Evidence: Have your photos, receipts, and any contractor estimates ready.

• Consider a Contractor’s Presence: Some homeowners invite a trusted roofing or construction professional to help discuss damage specifics.

• 🔨 Pro Tip: If you suspect hidden damage (e.g., behind walls or under shingles), point it out during the inspection.

Step 6 – Evaluation & Negotiation

• Review the Adjuster’s Report: Ensure it matches the damage you documented.

• Challenge Discrepancies: If the adjuster’s estimate is lower than your actual repair costs, request clarification or submit additional evidence.

• Seek a Second Opinion: You can hire an independent adjuster or ask a contractor for a more detailed quote.

Step 7 – Final Settlement

• Read the Fine Print: Check that the settlement covers both labor and materials, especially for roof repairs or replacements.

• Understand Depreciation: If you have an ACV policy, you might receive additional payments after repairs are completed.

• Ask About Supplements: If hidden damage is discovered later, you may file a supplemental claim.