Post-hurricane

What should you do if the hurricane has passed and your home has been damaged?

/ Uncategorized / By /

When a hurricane strikes, the urgent thing is to protect yourself. At the end of this publication, you will find a series of resources on how to protect yourself and prepare for hurricane season in Florida.

But once it’s over, another battle begins: recovering your home and filing the appropriate insurance claim. In Florida, where weather events are becoming increasingly intense, knowing how to act after a hurricane can mean the difference between receiving fair compensation or being left with the expenses.

In this article, we guide you step by step and answer the most common questions homeowners have after facing a hurricane.

1. Assess security before entering your home.

Before checking for damage:

  • Ensure there are no exposed electrical wires or gas leaks.
  • If the roof is compromised or there are unstable structures, wait for professional help.
  • Document the damage from outside with photos or videos without putting yourself at risk.

2. Document absolutely everything

Visual and written records are key to your claim:

  • Take clear photos of each affected area (roof, walls, windows, furniture).
  • Record videos showing structural damage and the presence of water or moisture.
  • Keep receipts for emergency purchases (plastic sheeting, tools, water pumps).
  • Write down the date and time of the storm, and whether an official emergency was declared in your area.

3. Do not repair without first consulting your insurance company (or a public adjuster).

Many homeowners are tempted to make quick repairs, but:

  • If you do not have prior evidence, the insurance company may reject your claim.
  • If you hire someone without a license, you may risk voiding your coverage.
  • Consult with an independent public adjuster before any major repairs.

4. Call a public adjuster

A public adjuster is an expert who works for you, not for the insurance company. They:

  • Accurately assess the extent of the damage.
  • Professionally document your claim.
  • Negotiate with the insurance company so that you receive fair compensation.
Frequently asked questions
  • What should I not do after a hurricane if I want to file an insurance claim?
    Do not clean up or throw away damaged items without first gathering evidence. Do not sign agreements with contractors without checking their licenses, and do not contact your insurance company directly without being prepared.
  • Can I file a claim even if several days or weeks have passed?
    Yes, but the more time that passes, the more difficult it is to prove that the damage was caused by the hurricane. Act as soon as possible.

     

  • What if my insurance company does not respond or rejects my claim?
    You can appeal the decision with the help of a public adjuster. You can also file a complaint with the Florida Department of Insurance.
  • How long does my insurance company have to pay me?
    In Florida, under the Prompt-Pay law, insurers have 90 days to resolve the claim. If they do not, you may be entitled to penalties.

If your home was damaged by the hurricane, you are not alone. At The Claim Partner, we have certified public adjusters who analyze your case, inspect your property, and accompany you throughout the entire claims process.

Schedule a consultation session with us
We will tell you if the damage is claimable, how to proceed, and what documents you need before making repairs.

Do it right from the start. Protect your investment and claim what you are entitled to.

Check out our resources on hurricane season in Florida: