How To File A Property Damage Claim After A Hurricane


Florida may seem like paradise, but hurricane season changes everything. Dark storm clouds and powerful winds replace the bright, sunny skies hundreds of thousands of tourists visit each year. Because Florida is a flat peninsula surrounded by water, hurricanes make landfall easily and tear through the state easily. And hurricanes happen fast, leaving many feeling helpless as they begin to file a property damage claim. 

Since 2000, Florida has seen at least nine major hurricanes causing injury, death, and destruction. If you live in Florida, you need to prepare yourself and your family for the effects of a hurricane. At the minimum, that means having proper insurance to cover damages during a storm.

Unfortunately, homeowners often accept settlements that are far too low. Insurance companies sometimes try to give the lowest possible amount of compensation, but Steinger, Greene & Feiner understands that you deserve more. Our expert Florida property damage lawyers will evaluate your claim and negotiate on your behalf with the insurance adjuster. 

We have helped thousands of families recover the compensation they need for home repairs – let Steinger, Greene & Feiner help you, too. Call us today at (800) 560-5059 for a free case consultation.

water leak girl on the phone after a hurricane because of a water leak in her roof

Types of Property Damage Claims

There is no such thing as “hurricane insurance.” Although these storms are frequent in Florida, you will probably have to purchase a separate deductible for hurricane damage if it is caused by a storm that the National Weather Service made official.

According to “Whether you’re buying homeowners insurance, flood insurance or windstorm insurance — or all three — make sure you have enough coverage to pay for the full cost of rebuilding your house and replacing your possessions. Your insurance agent can help you pinpoint the right amount.”

Floridians should consider purchasing the following insurance policies to protect against damage from hurricanes:

  • Windstorm insurance. Insurers in Florida offer this type of policy for an additional deductible, which typically ranges from one to five percent of the home’s value. The cost varies depending on where the insured lives. For example, in coastal Florida, the cost of windstorm insurance can be upwards of $2,500. Most windstorm claims are made for damaged roofs, but this type of insurance also covers exterior parts of homes and separate structures like sheds and garages. It’s important to keep in mind that damage from hurricane or windstorm-related hail will be covered in this policy. 


  • Flood insurance. Damage from storm surges or catastrophic flooding is not included in homeowner’s insurance in Florida. Like coverage for windstorms, flood insurance must be purchased as an additional deductible on your policy. Floridians should seriously consider adding this policy to their insurance coverage because of the enormous threat of flooding. One inch of water can cause $25,000 of damage to your home. These are devastating damages that can be mitigated with supplemental flood insurance. Even if you live in an area that has historically seen little or no flooding, you should still purchase this type of coverage. The Federal Emergency Management Agency (FEMA) estimates that more than twenty percent of flood insurance claims and federal disaster assistance for flooding comes from areas marked moderate or low-risk.


Property Damage Insurance Claim Process

The first step in making a property damage claim is to notify your insurance company. If you already have a clear understanding of what is and is not included in your homeowner’s insurance policy, you can contact the carrier immediately. If you are not familiar with your policy, take time to review the details. Reading over your policy several times will better your chances of receiving a fair settlement.

Property damage claims often have a shorter window of time to file than other claims such as car accidents. It’s imperative that you know how much time you have to file. If you wait until after the deadline your insurance company will most likely deny the claim.

The property damage statute of limitations in Florida is four years. That means that a Floridian who suffered house or property damage from a hurricane has four years from the date of the damage to file a claim with their insurance carrier. 

For help with this and other steps in making your claim, contact a property damage lawyer at Steinger, Greene & Feiner. We know exactly what insurance companies look for in accepting a claim. We will facilitate the process so you don’t have to worry more than you already are. Contact Steinger, Greene & Feiner at (800) 560-5059 today.

Once you have filed your claim, your Florida insurance company has 14 days to acknowledge that they received it. After this step, the insurance company will conduct an investigation. There are several steps you can take to ease this process and increase your chances of receiving favorable compensation.

Make a list of the damaged property. 


Conduct your own in-depth investigation of your house, office, or property and make an itemized list of all damages. You can do this on a piece of paper or your mobile phone; it doesn’t matter what format the list of damaged property is on. It just matters that you have one.

In addition to the structure of your house or property, make a list of any damages to valuables such as computers, appliances, and furniture. It is also extremely helpful if you are able to locate purchase receipts for any of these items. If you can, attach them to the list so all documentation is in one place and can be found easily.

Take pictures. 


This is a crucial step you should take before filing your property damage claim. Any visual evidence you can present to the insurance company, including photos or videos of damage that occurred from the hurricane or tropical storm, will greatly support the authenticity of your claim. Make sure to take photos of any damaged valuables as well. 

To keep track of all the photos you’ll be taking be sure to email them all to yourself and keep them in a folder in your email. That’ll give you quick and easy access to all your photos, no matter where you are and who you are with. 

Review proof of loss and other documents carefully. 


After you call the insurance company to notify them of your property damage, they will assign an adjuster to the case. An insurance adjuster is the person who will work to help settle the claim; they essentially act as a mediator between you and the insurance company. An adjuster will report back to the insurance company with what damage they observed and will determine what work needs to be done to the property.

Before issuing payment, the insurance adjuster will probably ask you to sign a proof of loss document. Within this document is information on the scope and pricing of repairs for your house or property. You must review this document very carefully to ensure that all necessary repairs will be included. 

It is advisable to hire an attorney to review the proof of loss document and make sure nothing is left out. Our property damage attorneys at Steinger, Greene & Feiner will review these documents and stay in communication with your insurance company to make sure you are on track to receiving the compensation you need.

Choose your repair company carefully. 

You shouldn’t hire the cheapest repair company just for their low pricing, and you don’t have to choose the company that your insurance suggests. Many times, insurance companies will try and get you to choose their preferred vendor to minimize costs. It’s a good idea to get estimates from several companies and choose the best option from there. 

Hurricane damage

What Are Hurricane Deductibles?

In a homeowner’s insurance policy, a deductible refers to a fixed amount of money such as $1500, which a homeowner has to pay from his/her pocket for damage even before getting insurance coverage.

These hurricane deductibles function similarly. You will have to pay out a separate hurricane deductible when you plan to claim hurricane damage. In addition to that, you will have to do so even before you get paid out any coverage or compensation for your property damage.

Furthermore, hurricane deductibles are calculated in percentage, from one to five and sometimes higher depending on the damage condition. To make this point clear, take an example of a home that is covered up to $500,000 and has a two percent hurricane deductible. In such a case, that homeowner will have to pay $10,000 in deductible before the insurer covers the remnants of his/her loss.

Is There A Need And Requirement Of Hurricane Deductibles In Florida?

Yes, there is the subtle requirement of hurricane deductibles in Florida because the state is among one of several states where insurers require a hurricane deductible. You can negotiate the exact rate of your hurricane deductible with the insurance company. If you think of having a lower deductible, you will have to pay a higher rate for your homeowners’ insurance.

Now, let’s discuss how homeowners’ insurance policies work in Florida against hurricane damage.

Under Florida Law, homeowners do not require to carry insurance. It is indeed a fact that homeowners’ insurance protects against property losses as well as certain other damages. It is typically prepared into several coverage components, including the following.

Lodging: The main reason for you to carry homeowners insurance is to be protected from financial loss. As long as you owe your creditor, they will want coverage for damage to your home. This part of your homeowners’ insurance policy caters to all the losses to your home itself.

Additional Structures: You definitely have other structures like garages, sheds, guest houses, small boats, fences, etc., on your property, but they are not included in your home.

Private Property: This section of your homeowners’ policy caters to the contents of your home in case of damage. For example, a hurricane destroys your rooftop in such a manner that water badly damages your home items like furniture, cabinets, and appliances. Your insurance policy can offer replacement value for these affected items only if you are covered for private property.

Extra Living Expenditures: If your home is in such a condition that the repairs cannot be done unless you move out, this portion of your policy covers the extra living expenditures you may experience for housing costs, storage, relocation cost, utilities, etc., in a temporary residence.

Medical Payments: If someone gets injured accidentally at your property and requires medical care, your policy will also pay the medical bills without concerning who is at fault.

Contact A Hurricane Damage Lawyer To Discuss Your Homeowners’ Insurance Case In Florida

In short, if your home or other property areas have endured serious damage due to a hurricane in Florida, you should not let the bills heap up while you wait for the insurance company to do the right thing.

Without wasting time, you need to have a skillful prosecutor for a personal injury attorney on your side and fight vigorously to get you the compensation you need and deserve. For consulting a skilled personal injury attorney to explore your option, give us a call at (1-800) 560-5059.

No matter how much you prepare your home for a hurricane, accidents and damage happen. Your first call should be to your insurance company. Your second call should be to a property damage attorney. If you live in Florida and your home has been damaged in a hurricane, how hurricane damage insurance claim work becomes an essential question for you.

So, does homeowners insurance cover hurricane damage in Florida?

In most cases, homeowners insurance that people of Florida buy for a home usually cover damages done to your home by wind and rain from a hurricane. Also, depending on your chosen company along with other conditions specific to your property and/or you, paying a deductible for hurricane damage to your house or obtaining a special rider on your homeowners’ insurance policy might be a requirement.

It must be in your knowledge that most homeowners’ insurance policies in Florida cover hurricane damage, but the damage caused by storm surges or floods are not covered in these policies. In order to cover that damage, you will have to purchase separate flood insurance.

To further have a clear idea of how this claim works, we have summarized the main elements for your convenience.

Again, have an attorney review your options. The property damage lawyers at Steinger, Greene & Feiner know what expenses and costs are reasonable in these claims, so call us for a free consultation at (800) 560-5059. We help residents who have been affected by fires with homes in Fort Lauderdale, West Palm Beach, Coral Gables, Miami, Okeechobee, Port St. Lucie, and Tampa.

About the Author

Michael Steinger
Michael Steinger

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MICHAEL S. STEINGER, founding partner of Steinger, Greene & Feiner, believes in representing real people, not big businesses. Since the firm’s creation in 1997, Steinger, Greene & Feiner has never represented an insurance company or large corporation, and he vows to keep this promise. Over the course of his career, Michael has handled thousands of Florida accident cases, recovering millions of dollars for his clients and earning him membership into the Multi-Million Dollar Advocates Forum. Staying up-to-date on the ever-evolving laws protecting injury victims and their families, Michael is an active member of the American Bar Association, the Palm Beach, and St. Lucie Bar Associations, and sits on the Auto Insurance Committee of the Florida Justice Association.