Hurricane Idalia struck Florida with devastating force, leaving a trail of destruction in its wake. The aftermath of this natural disaster has prompted thousands of residents to file insurance claims for their damaged properties and belongings. As of now, estimated insured losses have surged to a staggering $230 million, according to the Florida Office of Insurance Regulation.
In this blog post, we will guide you through the essential steps and considerations for filing a Hurricane Idalia insurance claim, ensuring that you receive the compensation you deserve.
What to Know About Filing a Hurricane Idalia Insurance Claim
The aftermath of Hurricane Idalia has underscored the critical role that insurance plays in helping individuals and businesses rebuild their lives. However, the process of filing a hurricane insurance claim can be complex and challenging. Here’s what you need to know to navigate this process effectively:
Report Your Claim ASAP
The first and most crucial step is to report your insurance claim immediately. Depending on the nature of the damage to your property, your claim may be covered by wind insurance, flood insurance, or both. It’s essential to understand your policy coverage and ensure you report all relevant damages promptly.
Homeowner’s insurance policies typically do not cover flood damage, so if you have both wind and flood insurance, you may need to file separate claims. In light of rising insurance costs, consumers need to advocate for fair treatment and prompt payment of claims, as past disasters have seen insurers attempting to reduce payments and alter adjustments unfairly.
“After Hurricane Ian, there were many reports of insurers exploiting consumers by altering adjustments and trying to reduce payments,” says Amy Bach, Executive Director of United Policyholders. “This must not happen again. We hope that insurance companies will be good partners in the recovery and rebuilding to come, but policyholders and regulators must stay vigilant to ensure fair treatment.”
Keep a Record of Your Communication with Insurance
Maintaining a detailed record of all your interactions with insurance company adjusters, repair professionals, or anyone you’re considering hiring is essential. Create a daily journal documenting the name of the person you spoke with, the date and time of each contact, and the details discussed during these conversations. This documentation can prove invaluable in ensuring your claim is handled correctly and fairly.
Keep Your Receipts
In the chaotic aftermath of a hurricane, it’s easy to overlook expenses that your insurance policy could cover. Keep track of all expenses related to the hurricane, including hotel and food costs during the evacuation, expenses for alternative living arrangements if you can’t return to your home, and any initial repair costs to prevent further damage. These expenses may be covered under your home or private flood insurance policy.
It’s important to note that temporary living expenses are generally not covered under the National Flood Insurance Program (NFIP) policies, so you’ll want to rely on your primary homeowners or flood insurance for such costs.
Small Businesses Can Get Help
Governor Ron DeSantis has announced significant assistance for small businesses impacted by Hurricane Idalia. The Florida Small Business Emergency Bridge Loan Program has approved over $6.4 million in funding for 161 businesses, helping them bridge the financial gap as they await long-term funding from insurance or FEMA. This program, administered by FloridaCommerce, offers short-term, no-interest loans to businesses that have suffered economic injury or physical damage due to the hurricane.
The program covers businesses in various Florida counties, and eligible businesses can apply for up to $50,000 in loans. Additionally, agriculture and aquaculture small businesses can access loans of up to $100,000, with $5 million set aside specifically for them.
An Attorney Can Guide You
Navigating the complex world of insurance claims can be daunting, especially during the aftermath of a devastating hurricane like Idalia. This is where experienced attorneys can play a crucial role in ensuring you receive a fair settlement. At RRBH Law, we have a team of skilled attorneys who can provide you with the support and guidance you deserve during this challenging time.
Get a Fair Settlement with Help from Our Experienced Attorneys
If you’ve been affected by Hurricane Idalia and are facing insurance claim challenges, contact RRBH Law at 305-800-4663. Our team of experienced attorneys is dedicated to helping you secure a fair settlement and ensuring that you receive the support and guidance you deserve during this challenging time.
At RRBH Law, we serve the Greater Miami Area and communities across Florida, providing support and guidance to those in need. Whether you reside in Key Biscayne, Coconut Grove, Hialeah, South Miami, Pinecrest, Palmetto Bay, Kendall, Glenvar Heights, Westchester, West Miami, Brickell, Sweetwater, Doral, Miami Springs, or Miami Beach, RRBH Law is here to assist you.