After Hurricanes Helene and Milton, many Florida homeowners faced overwhelming damage and a complex insurance claims process. When hurricanes hit back-to-back, insurers often add layers of difficulty to the claims process, making it crucial to understand your rights. At Herman & Wells, we offer the guidance and support you need to tackle even the most challenging storm claims. Start your claim review with us today — call (727) 821-3195 and take the first step toward a fair resolution.
The Cliff Notes: Key Takeaways From This Post
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Understanding Dual-Storm Damage: When storms hit back to back, it can slow down the claims process and sometimes limit your payout. Often, the damages are more extensive, making the claims process more complicated.
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Common Insurance Issues: Multiple storms can drain policy limits, reducing claim eligibility. Insurers may also exclude specific damage from the second storm if they view it as worsened by the first.
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Small Wins In Two-Claim Scenarios: Flood coverage limits reset for each hurricane, so new flood damage from a second storm may be eligible under a new limit if documented and attributed to the second event.
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Next Steps For Double-Storm Damage: Document everything with photos, repair estimates, and detailed records from each incident. Contact your insurer about deductibles and policy details to strengthen your claim for a fair settlement.
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How We Can Help Facing damage from Hurricanes Helene and Milton? Contact Herman & Wells at (727) 821-3195 for experienced guidance to help maximize your claim and ensure a fair settlement.
The Impact Of Hurricane Helene And Hurricane Milton On Florida Homeowners
Florida homeowners know the risks of hurricane season, but back-to-back hurricanes present unique challenges. The destruction from Hurricanes Helene and Milton has left countless Floridians with extensive repair needs and facing delayed or denied claims. When storms hit quickly, insurers often rely on coverage restrictions and exclusions, slowing down the process and, in some cases, limiting payouts. Understanding how consecutive storms impact your insurance is key to navigating these challenges effectively.
How Two Hurricanes In A Row Can Affect Your Insurance Coverage
When hurricanes hit one after the other, insurance policies and deductibles are often interpreted differently. Multiple storms can exhaust or reduce your policy coverage limits, impacting your ability to make full claims for each storm. In some cases, certain types of damage from the second storm may be excluded if insurers deem it worsened by the first. Knowing how to address these complications can significantly influence your claim outcome.
Common Issues Facing Florida Insurance Claims After Consecutive Storms
Valued Policy Law Issues
Determining a total loss under Florida’s valued policy law can become complex when evaluating damage after two hurricanes. Insurers may debate whether a property qualifies for total or constructive total loss, directly impacting your claim amount. Careful assessment of damage from both storms is often required to establish the full extent of losses.