Living in Florida seems like a dream, and for most of the year, it is. The gorgeous weather and the beautiful beaches are enough to make anyone feel like they are on a tropical vacation. However, this picture-perfect vision of Florida does not last too long for those who have experienced one of our infamous hurricanes. As soon as hurricane season approaches, Floridians have to deal with harsh storms and potential hurricanes. Don’t get us wrong; there is much beauty in Florida, but hurricane season can be brutal if you aren’t prepared.
The best thing to do is to reference a guide or a checklist that you can use. Usually, things like shutters, generators, and canned goods are on these lists and among the first things we secure during hurricane prep. However, having a plan for what to do if you have home damage needs to be considered too. Here are three things about filing hurricane damage claims in Florida that you should know.
- Your Living Expenses May Be Covered
If you have severe hurricane damage, and you need to evacuate your home, you may be given the opportunity to have your living expenses covered. A common instance of this in Florida is damaged roofing which makes the home unsafe for people and pets due to the possible threat of exposure to more damage, electrical wiring, and more. When this happens, you will likely need to stay with friends, family, or at a hotel. In this case, you may incur fees associated with your unexpected circumstances, and you’ll need the help of an insurance adjuster to help you secure the financial help you need from the insurance company.
- It’s Important to Document Everything As Soon As Possible
As soon as you notice damage has been done to your property, you should document the claim. The longer you wait, the worse the damage is going to get and the longer you’ll have to wait to have it repaired. What may have been water damage; may turn into mold damage which can lead to other structural issues and health issues. For this reason, you’ll want to make properly documenting the damages for your claim as soon as possible. Documentation can be in the form of pictures of the damages to appliances, flooring, furniture, and other valuable items that may have been damaged due to the hurricane. The more proof you have of the damages, the easier it will be to help you file a solid insurance claim.
- Your Hurricane Deductible Might be Higher
Most hurricane damage insurance providers in Florida offer coverage that includes hurricane damage. When reviewing your policy, you may notice that your hurricane insurance deductible is separate from your standard deductible. Your standard amount is usually a flat amount, your hurricane deductible is usually a percentage of your overall coverage for the home. Though storms in Florida can be harsh, not all of them will qualify as a hurricane and not all of them will grant you the coverage you need to recover. Because of this and the complexity of how insurance deductibles are incorporated into your policy, you’ll want to make sure you have a trusted public adjuster on your side.
Tri-County Public Adjusters is Here to Help You!
Hurricane damage happens to the best of us. No matter how prepared we think we are, your home could still fall victim to hurricane damage. If you find yourself a victim, the best thing you can do is to contact a public adjuster from Tri-County Public Adjusters. The adjuster can help you with your hurricane damage claim in Florida. Whether you need someone to read your policy or help you out with the claim, our team is here for you. To learn more about our services, check out our website. Or, reach out to the team today at (786) 367-2432.