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Everything You Need to Know About Hurricane Damage Claims in Florida

Written by admin on June 1, 2023 at 5:33 PM.

Hurricane damage is a common occurrence in Florida, and it’s important to be prepared. Educating yourself on the property insurance claim process is crucial before the storm season begins. Understanding the different types of claims, such as property damage insurance claims and claims for damages, can help you navigate the process more effectively.

In the event of a storm, various types of damage can occur, including water damage, mold damage, and damage from hurricanes. It’s essential to be aware of the coverage provided by your insurance policy and how to file a claim. Seeking assistance from a professional claims adjuster, like Stellar Adjusting, can provide expert guidance and support throughout the claims process. We specialize in handling property insurance claims, including those related to hurricane damage. Trust us to help you navigate the complexities of the claim process and ensure a fair settlement.

Common Types of Hurricane Damage Claims

When it comes to hurricane damage, there are several common types of damage that homeowners may experience. One important aspect is documenting the condition of your windows before the storm, as damage from flying debris is almost inevitable. It’s crucial to have evidence for your hurricane damage insurance claim.

Taking pictures of your property before the storm can serve as proof that the damage occurred due to the hurricane, rather than pre-existing issues. This applies to all types of damage, including damage to siding, roofing, doors, and even the risk of fires caused by power surges and electrical malfunctions.

Water damage is also a significant concern during hurricanes. It can result from floodwater, roof leaks, window damage, or even post-storm appliance failures. Even mild water damage can lead to mold growth, so it’s important to be vigilant for signs of leaks and address them promptly.

Understanding your hurricane insurance policy and the applicable hurricane deductibles is crucial when filing a claim for hurricane damage. Stellar Adjusting specializes in assisting homeowners with their hurricane insurance claims. Our team can guide you through the process, help document the damage, and ensure a fair settlement. Trust us to handle your hurricane damage insurance claim efficiently and effectively.

Hurricane Damage Claims

What is Covered and What Isn’t in Hurricane Insurance

When it comes to insurance coverage for hurricane damage, understanding what is covered and what isn’t can save homeowners from unexpected financial burdens. Basic homeowners insurance typically covers most hurricane damage, such as damage to your property caused by high winds. However, it’s important to note that flood damage is generally not covered under standard homeowners insurance.

To fill this coverage gap, homeowners in high-risk areas should consider obtaining a separate flood insurance policy. Flood insurance provides protection against damage caused by rising waters, ensuring that losses from a flooded laundry room or other water-related incidents are covered.

Additionally, certain areas in Florida may require specific windstorm coverage to receive reimbursement for roof or window damage resulting from hurricanes. Although this coverage can be expensive, it is essential for homeowners in high-risk regions to avoid bearing the full cost of repairs themselves.

Situations that insurance policies definitely do not cover.

Damage caused by negligence, such as leaving appliances plugged in during an evacuation order, may lead to claim denial. Furthermore, it’s crucial to note that homeowners or flood insurance typically do not cover vehicle damage. However, comprehensive auto insurance policies can cover vehicle damage caused by hurricanes.

Navigating insurance policies, coverage limitations, and claim disputes can be complex. In such cases, seeking assistance from experienced professionals like Stellar Adjusting can help homeowners understand their rights and options. Our team of hurricane damage attorneys specializes in handling insurance disputes and can guide you through the process to ensure fair treatment. We can also help you explore options like advance payment or partial payments to alleviate immediate financial burdens. Trust Stellar Adjusting to provide the expertise and support you need during the hurricane insurance claim process.

How to Deal with the Post-Hurricane Damage Process

When faced with damage after a hurricane, it’s crucial to handle the situation with care and follow these essential steps:

  • Prioritize Safety: Your safety should be the top priority. Listen to authorities and adhere to evacuation orders. Only return home when it is officially declared safe to do so.
  • Document the Damage: Once you’re back, document the extent of the damage using your camera or smartphone. Take detailed pictures of every affected area and item. These visual records are vital for your hurricane damage insurance claim. They provide solid evidence and can help resolve any disputes that may arise.
  • Preserve Damaged Items: It may be tempting to dispose of damaged furniture and appliances immediately. However, keeping them until the claims adjuster assesses the situation is crucial. This ensures the validity of your claim and prevents any misunderstandings or doubts. Preserve all damaged items as evidence until the assessment is completed.
  • Be Vigilant of Fraud: Unfortunately, fraudulent practices can occur, even in the aftermath of a hurricane. Never sign an invoice without an exact cost specified when dealing with contractors. Unscrupulous contractors may try to inflate the claim value, seeking more than the actual cost of their work. Protect your interests by reviewing all documentation carefully.

At Stellar Adjusting, our experienced team understands the complexities of hurricane insurance claims. We are here to guide you throughout the process, ensuring a fair resolution. From assessing hurricane deductibles and understanding your insurance policy to handle any insurance disputes, we provide expert assistance. Our goal is to secure the best possible outcome for your hurricane damage insurance claim, including advance payments or partial payments when applicable. Trust Stellar Adjusting and our dedicated team of hurricane damage attorneys to advocate for you and protect your rights, whether you have residential or commercial property.

The Importance of Supplemental Claims in Hurricane Damage Insurance

After experiencing hurricane damage, many homeowners file an initial insurance claim to begin the process of seeking financial recovery. However, it’s important to understand that the initial claim may not cover all the damages and losses incurred. This is where supplemental claims come into play.

Supplemental claims are additional claims that can be filed after the initial claim to cover damages and losses that were not initially accounted for. These claims are crucial for ensuring that homeowners receive the full compensation they are entitled to and can make a significant difference in the financial recovery process.

Here are a few key points to understand about supplemental claims:

  • Identifying Unaccounted Damages: When filing an initial claim, homeowners may overlook certain damages or losses due to the chaotic nature of the aftermath. It’s common for hidden or less apparent damages to become evident later on. These can include structural damage, hidden water damage, or other issues that were not immediately visible. A supplemental claim allows you to address these unaccounted damages and ensure that they are properly documented and compensated.
  • Time Constraints: It’s important to be aware of the time limitations for filing supplemental claims. Insurance policies usually have specific deadlines for submitting supplemental claims, which are typically within a specific timeframe after the initial claim. Failing to file a supplemental claim within the specified time can result in the loss of compensation for the additional damages. To ensure you don’t miss any deadlines, it’s advisable to consult with a public adjuster who can guide you through the process and help meet all necessary requirements.
  • Professional Assistance: Dealing with supplemental claims can be complex, as it involves providing evidence and documentation for damages that may not have been initially apparent. Hiring a public adjuster experienced in handling hurricane damage claims can greatly benefit you in this process. A skilled public adjuster can assess your property, identify unaccounted damages, gather the necessary documentation, and negotiate with the insurance company on your behalf to maximize your claim. They understand the intricacies of insurance policies and can effectively advocate for your rights, ensuring a fair settlement for the supplemental claim.
  • Maximizing Financial Recovery: Supplemental claims are critical for maximizing your financial recovery after hurricane damage. By addressing all damages and losses, including those initially overlooked, you can potentially receive additional compensation that significantly contributes to the repair and rebuilding process. This can substantially impact restoring your property and returning your life to normalcy.

Hurricane Damage Claims public adjuster

How Can a Public Adjuster Help?

A public adjuster is a claims adjuster who works for you instead of the insurance company. They get paid a percentage of the proceeds from your hurricane damage claim, so the more you receive, the more they make. This gives them a strong incentive to ensure you get every penny you’re entitled to.

Often, insurance adjusters will lower repair estimates by using prices for the cheapest possible materials. Sometimes, they’ll even avoid going to damaged areas of the house to avoid having to make a note of the damage. A public adjuster works with you to find and document every bit of damage and advocates for you with the insurance company.

If you think a public adjuster can help you, contact Stellar Public Adjusting Services using our free web form. If your need is urgent, feel free to call us at 305-570-3519.

Our team of adjusters has a combined experience of several decades, and all of them work in-house. This means you’ll be working directly with a member of our team, and not with an independent contractor. Focus on rebuilding your home and your life. Leave the stress and paperwork to the experts.

What Clients Are Saying About Us


Vanessa R.

Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.

Vanessa R.


HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!


Philip O.

Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had – and they reached a fair settlement with my insurance for me. I probably wouldn’t have gotten half of what I did without them! I’d easily recommend them to anyone needing a Public Adjuster.

Philip O.

Nicholas P., Miami Beach, FL

Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.

Nicholas P., Miami Beach, FL

Yossi K., Brooklyn, NY

David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.

Yossi K., Brooklyn, NY

Marc C., Miami, FL

I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them. The insurance company is not on your side and they are not a good neighbor.

Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.

Marc C., Miami, FL

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