Fort Lauderdale Hurricane Insurance Lawyers

Dial (800) 953-2858 or contact our firm online to schedule your free consultation with our hurricane damage attorney.

What Is Covered Under Hurricane Insurance?

• Damaged roofing
• Damaged floors
• Broken windows
• Damage from debris
• Damaged garages
• Moisture damage

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• Windstorms
• Federal flood insurance
• Maritime insurance claims for insured vessels
• Renters’ insurance claims
• Alternate living experience claims
• Personal property damage claims
• Auto and vehicle damage claims
• Personal property claims

Important Steps to Take After a Hurricane

• Locate All of Your Policies: You need to find the documents and read the details of each insurance policy you have, such as homeowners’, flood, and automobile insurance.
• List and Photograph Damaged Property: You will need evidence of the damage to your property, so take clear pictures or record a video showing everything that sustained damage during the hurricane. You can download the MyHome Scr.APP.book to organize and capture images, descriptions, bar codes, and serial numbers of your valuable assets and property.
• Contact Your Insurers: Some insurance policies have a limited timeframe for filing a property damage claim. This is why you need to you quickly report the damage or file your claim as soon as possible. However, you should first consult with an experienced lawyer to discuss what to expect when you contact the insurer.
• Cover Any Exposed Property Damage: If you want to prevent more damage to your property and valuable belongings, you need to cover the affected areas. Take out any items that have suffered water damage so that mold doesn’t spread to other areas of your home. Make sure you document anything that is removed from your home and do not throw anything away until the insurance adjuster has a chance to see it and include it in their report.

What Happens If You Don’t Have Flood Insurance During a Hurricane?

• FEMA Disaster Grant: If your home is located in a recognized disaster area (which is usually the case in the event of a hurricane), you may be eligible for the FEMA Individuals and Households Program. This is a federal grant provided to those whose homes are damaged by flooding, rendering them inhabitable. The purpose of these grants is to cover the cost of damage not covered by flood insurance; however, anyone may apply, regardless of whether they have flood insurance or not. FEMA grants can officially be given in any amount up to $33,000, but they are often much lower. It is important to note that these grants are only intended to help you restore your home to a hospitable level—not to its pre-hurricane condition.
• Small Business Administration (SBA) Disaster Loans: If you are ineligible for a FEMA disaster grant or if the damage exceeds the maximum FEMA grant amount, you can apply for a homeowners’ disaster loan from the SBA. Like any loan, SBA disaster loans must be paid back, but they tend to have low interest rates and extensive repayment periods (sometimes up to 30 years). The benefit of SBA disaster loans is that they can be used for a broad range of things, including repairs to a damaged home or vehicle. However, these loans cannot be used to make upgrades or enhancements to your property.

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