Frequently Asked Questions
What should I do immediately after a hurricane damages my property?
First, ensure your family’s safety. Then, document the damage with photos and videos before making temporary repairs to prevent further damage. Contact your insurance company as soon as possible to report the claim.
How do I know if my insurance policy covers hurricane damage?
Most homeowner policies cover wind damage, but water damage caused by flooding may require a separate flood insurance policy. Review your declarations page or contact your agent to confirm coverage.
Should I make temporary repairs before the adjuster arrives?
Yes, if it is safe. Florida policies require you to take reasonable steps to prevent further damage. Save all receipts for materials or labor, as your insurer may reimburse you.
How long do I have to file a hurricane claim?
You have one year from the date the hurricane makes landfall to file a claim or reopen a supplemental claim. Filing early is recommended because it helps avoid disputes and speeds up the recovery process.
Do I need to hire a contractor before my insurance company inspects the damage?
No, but it’s wise to consult a licensed Florida contractor for an independent inspection. They may find hidden damage that insurance adjusters overlook, which helps strengthen your claim.
How is hurricane damage assessed by insurance companies?
In Florida, an insurance adjuster will visit your property, inspect visible damage, and prepare a repair estimate. Keep in mind that the adjuster works for the insurance company, so consider getting your own inspection for comparison.
What if my claim is denied or underpaid?
You have rights under Florida law. You can request a reinspection, hire a licensed public adjuster, or consult with an attorney. Florida has strong consumer protections to prevent insurance companies from acting in bad faith.
Will my insurance rates go up after I file a hurricane claim?
Possibly. In Florida, insurers may raise rates after a major storm season, regardless of whether you filed a claim. However, protecting your home by filing a legitimate claim is usually more important than potential future increases.
Does hurricane insurance cover hotel stays or temporary housing?
If your policy includes Additional Living Expenses (ALE), then yes. ALE covers hotel bills, meals, and other living costs if your home is uninhabitable due to storm damage.
What documents do I need for a Florida hurricane claim?
You’ll need your insurance policy, photos/videos of all damage, receipts for repairs or temporary expenses, and a list of damaged or lost belongings. Florida law requires insurers to respond quickly when you provide this documentation.
Can I choose my own contractor for hurricane repairs?
Yes, Florida law allows you to select your own licensed contractor. Be cautious of unlicensed “storm chasers” who often appear after hurricanes. Always verify state licensing through the Florida Department of Business & Professional Regulation.
How long does it take to get paid for a hurricane claim in Florida?
Florida law requires insurance companies to acknowledge your claim within 14 days, make a decision within 60 days, and pay undisputed amounts within 90 days, unless there are exceptional circumstances.
Will my insurance cover mold caused by hurricane damage?
It depends on the policy. Most Florida homeowners policies cover mold if it results directly from covered hurricane damage (such as roof leaks). Mold from storm surge or flooding is usually only covered under a separate flood policy.
I only have a few shingles missing—does that mean I need a full roof replacement under Florida’s 25% rule?
Not always, but possibly. Florida’s 25% rule says that if more than 25% of your roof (or a roof section) is damaged within a 12-month period, then the entire section must be replaced to meet current building code.
If only a few shingles are missing, you may not reach that threshold. However, in many hurricane claims, what looks like “just a few missing shingles” can actually reveal hidden damage—such as compromised underlayment, lifted shingles, or water intrusion—that pushes the total damage closer to that 25% mark.
If your roof was built before March 1, 2009: The 25% rule still applies, and you may be entitled to a full roof replacement if the damage exceeds the threshold.
If your roof was built after March 1, 2009: Florida’s updated law allows insurers to require only repair of the damaged portion, as long as it can be brought up to code.
In short, a few missing shingles might not seem like much, but if inspections show the damage affects a quarter or more of your roof, you could qualify for a full roof replacement under Florida law.
Do I need professional help to handle a Florida hurricane claim?
Not always, but it often helps. Public adjusters, contractors, or attorneys with Florida hurricane claim experience can assist if your claim is delayed, denied, or underpaid. They ensure you’re treated fairly under state law.