Hurricane Damage: A Homeowner Guide
Hurricanes cause billions in property damage each year. Knowing what to do before and after the storm can mean the difference between a paid claim and a denied one.
Before the Hurricane
- Photograph and video every room in your home -- create a home inventory
- Store insurance policy documents in a waterproof container or cloud backup
- Know your deductible amounts (especially the hurricane deductible)
- Board windows and secure outdoor furniture
- Review whether you have flood insurance -- standard policies do NOT cover flooding
Immediately After the Storm
- Only return when authorities declare it safe
- Document all damage before any cleanup or repairs
- Make temporary repairs to prevent further damage (keep all receipts -- insurers must reimburse)
- Do NOT sign any work orders with contractors before your adjuster visit
- Contact your insurance company to open a claim
The Hurricane Deductible
Unlike regular deductibles, hurricane deductibles are percentage-based. In Florida, they typically range from 2-5% of your home insured value. This triggers automatically when a named storm makes landfall.
Common Claim Pitfalls
- Signing away your rights: Do not sign Assignment of Benefits (AOB) agreements with contractors
- Too-quick settlements: Do not accept a quick check if you have not assessed all damage
- Missing the deadline: Florida has a 1-year deadline to report hurricane damage (as of 2023)
- Underdocumentation: Take thousands of photos if needed -- you can never have too many
Claim denied or underpaid? A property damage attorney can review your policy and negotiate with the insurer at no upfront cost. Free consultation at Louis Law Group.