Ensure everyone's safety and contact emergency services if needed. Thoroughly document the damage with photos, videos, and make a full list of affected items – this will be crucial in proving the extent of the damage. Then, contact a public adjuster for a professional inspection to assess the damage and guide you through your next steps.

After documenting the damage, make temporary repairs to prevent further issues, such as covering broken windows or tarping a damaged roof. Keep all receipts for these repairs, as they may be reimbursable. Avoid making permanent repairs until after an adjuster has assessed the damage. If the damage involves significant debris or unsanitary conditions, consult your public adjuster before cleaning out to ensure nothing crucial is removed that could impact your claim.

Generally, under Florida law you can file a claim for hurricane-related property damage up to 3 years after the incident. However, it is best to start preparing for the claims process as soon as possible, to make sure you have time to gather all the relevant information.

Contact your insurance company as soon as possible to report the damage. Depending on your insurer, you can typically submit claims online, through an app, via your agent, or by phone. To ensure the process is handled accurately and in your best interest, consider working with a public adjuster who can assist in documenting damages, communicating with the insurer, and maximizing your claim.

The timeline can vary based on the complexity of the damage, your insurer’s responsiveness, and the availability of contractors and supplies—especially after natural disasters, these resources may be kept busy with other claims. Simple claims may take a few weeks, while more complex cases can take several months. Providing thorough documentation and working with a public adjuster can help speed up the process.

You should keep any damaged items until the adjuster has inspected them. Every piece of evidence counts to properly document the damage and ensure appropriate compensation. If items are unsanitary or pose health risks, document them thoroughly with photos and videos before disposal. Consult your public adjuster before discarding any items.

Yes, if you believe your claim was wrongfully denied or underpaid, you can appeal the decision. Start by reviewing your policy and the denial letter to understand the reasons for the denial. Then, gather additional evidence to support your claim and submit a written appeal to your insurer. Consulting with a hurricane insurance claims lawyer can significantly strengthen your case and make the experience smoother. Our lawyers help guide you through the appeals process, fighting for your rights and maximizing your chances of a favorable outcome.