Pitfalls to Avoid for Insurance Claims Due to Severe Weather in Florida

At Warner & Fitzmartin, we understand how devastating severe weather can be for homeowners and businesses in Florida. Filing an insurance claim after a hurricane or storm can be a complex process, and knowing how to avoid common pitfalls is key to ensuring your claim is successful.

1. Failing to Document Pre-Storm Conditions

One of the biggest mistakes you can make is not preparing before hurricane season. Many insurance companies deny claims by arguing that the damage was pre-existing. Before the storm hits, get your property inspected, especially the roof. Keep records of repairs, inspections, and photographs of your home’s current condition. Having this documentation can be the difference between an accepted or denied claim.

2. Not Acting Quickly After the Storm

After a hurricane or severe storm, time is of the essence. One common pitfall is delaying the process of documenting and mitigating damages. It’s essential to start documenting the storm’s impact immediately, taking photos and videos, and hiring professionals to inspect the damage. Delays can result in the insurance company questioning the extent of your claim, especially if repairs have already begun.

3. Failing to Mitigate Damages

All insurance policies require the homeowner to mitigate damages after a storm. This means you must take steps to prevent further damage, such as covering exposed areas or hiring professionals to make temporary repairs. Failing to mitigate could jeopardize your claim.

4. Not Reporting the Claim Immediately

Finally, report the claim to your insurance company as soon as possible. The sooner they can inspect the damage, the better. Waiting too long may cause issues if repairs have already altered the condition of the property.

If you need guidance on filing your severe weather damage claim, contact Warner & Fitzmartin at (561) 816-5983 We're here to help you navigate the process.