Florida’s capricious climate carries the threat of severe storms, which can inflict considerable property damage. When faced with a storm damage insurance claim in Florida, homeowners and business owners alike may find that their insurance company is not quick to pay out what they are owed, or perhaps they receive a payout amount that is lower than they feel they deserve. If you know what steps to take, you can greatly increase your chances of getting compensated fairly.

Evaluating the damage right away

After a storm has moved through and it is safe to check your property, inspect your storm damage. Check for missing shingles, roof leaks, water intrusion, broken windows, fallen trees, and structural issues. Not all kinds of damage make themselves known right away, however, like the appearance of a hidden water leak or a foundation problem. If ignored, these problems will increase again and result in more expenses down the road. In Florida, early documentation of all damages bolsters a potential storm damage claim.

Conducting a thorough documentation of the loss

You must have proper documentation for your claim to succeed. Photograph all damage with good quality stills and video; take pictures of both the inside and outside of your property. Retain receipts for temporary repairs, hotel stays, or any expenses associated with flooding damage. A comprehensive list of lost or damaged belongings, including estimated values, can also assist you in maximizing your settlement.

Steps for filing a storm damage insurance claim

Contact your insurance company as soon as possible. Policies generally contain provisions for prompt reporting of losses, and delaying that process may affect your ability to obtain full compensation. Collect all necessary documentation and be ready for an adjuster’s inspection when filing your claim. The company that provides the insurance will assess the damage to see whether you are covered under your policy and for how much.

How do you handle delays and underpayment of your claims?

Regrettably, some insurers might try to decrease payouts by blaming damage on pre-existing conditions or policy exclusions. You can contest the decision if your claim is denied or undervalued. Get Help — A public adjuster or an attorney who specializes in insurance claims can help negotiate a fair settlement. Professional assistance is helpful for many Florida homeowners when dealing with complex claims.

How can we keep future storms from causing the same damage?

Because Florida is susceptible to hurricanes and other severe storms, taking preventative measures can help minimize future damage and make future claims easier. Check and maintain your roof regularly, strengthen doors and windows, and trim back overhanging branches. Maintaining digital records of your property’s condition ahead of storm season can help provide further evidence if damage occurs.

With proper preparation and persistence on your side, the process of filing a storm damage insurance claim in Florida is easier than it may seem. You can make sure your property is restored without unnecessary financial burden by documenting damages in detail, knowing your policy, and enrolling in a fair settlement.

Mike Ryan is the author of this article. To know more about Roof Damage Insurance Claim Florida, please visit our website: globalclaims.net.