What to Do Once the Storm Passes

The 2022 hurricane season is upon us and an above-average season is predicted. As with any storm season, Floridians should begin their preparations and planning before a storm comes. Along with stocking up on batteries, flashlights, and plywood, homeowners should also create a plan in case their property is damaged. Below are a few tips to help you create a plan if your home is damaged as a result of a hurricane.

1. Take photographs or videos of your property before the storm comes
   Before the storm arrives, it may be helpful for your own records and the insurance company to take photographs or videos of your property. This media can prove the condition of property before it was damaged to the insurance company, as well as assist you in determining what exactly was damaged and needs to be reported.
2. Assess the damage and mitigate any damage found
   If your home is damaged during the storm, or you find damage after the fact, it is important to immediately document it with photographs or videos and begin mitigation efforts. To mitigate damages means to engage in efforts to prevent further damages, such as placing a tarp on a roof or drying out an interior area that has been water damaged. It may be important to call a mitigation company, if damages are severe enough, to evaluate the area and ensure it is properly mitigated.
   When assessing the damages, compare it with photographs or videos of the property before the storm and make a list of all property that has been damaged.
3. Review your insurance policy
   If your home has suffered damages and you have to report a claim, it is important to review your insurance policy. Your policy likely requires that you comply with certain duties to ensure your claim is paid. Additionally, if the cause of damage was a named hurricane, there may be a separate deductible to be paid.

If your home has been damaged by a hurricane or tropical storm and your insurance company is denying your claim, it may be time to contact an attorney. Call our office today for a consultation at (561) 279-6771 or request a consultation online.

This article is not intended to be legal advice, nor create an attorney-client relationship.