Hurricane Milton Property Damage Claims
Helping homeowners secure maximum compensation for Hurricane Milton property damage claims
Gelber Law Group is here to help homeowners and business owners in Florida affected by Hurricane Milton. Our dedicated team of property damage attorneys is committed to securing the compensation you rightfully deserve.
Call 954-320-0100 today for a free evaluation of your claim’s potential value.
Hurricane Milton, a Category 3 storm, struck Florida on October 9, 2024, at 11 pm with devastating 140 MPH winds. Milton made landfall in Tampa Bay and retained hurricane strength as it crossed through Florida.
The storm wreaked havoc across the state, affecting Florida from coast to coast.
Tornadoes were being spawned by Milton well in advance of its landfall at 11 pm as far southeast as Broward County.
Property damage from Milton is estimated to be in the billions across Florida.
Understanding Hurricane Deductibles.
Do I have to pay a deductible for Both Hurricane Helene and Hurricane Milton?
Many homeowners are surprised by the specifics of hurricane deductibles, which are often a percentage of the insured value of the home and can be considerably higher than standard deductibles. Understanding these details is essential in preparing for the financial aspects of your claim.
Unless you switched insurance companies in between Hurricanes Helene and Milton, you only have to pay one hurricane deductible for the calendar year. If your insurance company valued your damages below your deductible for your Hurricane Helene claim, the remainder will apply to your Hurricane Milton claim. Your All Other Perils (AOP) deductible will apply to your second claim, but many times, that number is significantly lower than your hurricane deductible.
In the event that you switched insurance companies between both hurricanes, you will, unfortunately, be responsible for paying the hurricane deductible for each policy. It is worth noting that your policy language controls, so this may not be the case for everyone.
Gelber Law Group can help you file your claim on time and get a professional home inspection to uncover damage that may be hidden.
The filing deadline for Hurricane Milton claims is October 9, 2025.
Florida law provides a one-year window from the date of the hurricane to file your property damage claim. Missing this deadline can result in a denial of your claim, leaving you to carry the repair costs on your own.
It’s crucial to conduct prompt inspections of your property to identify and document any damages, some of which may not be immediately apparent but can cause significant issues if left unaddressed.
Contact our team today to get started – 954-320-0100.
Gelber Law Group’s comprehensive claim assistance approach includes:
- Policy Analysis: Detailed review of your insurance policy to determine coverage.
- Documentation: Help in compiling all necessary documents and evidence for your claim.
- Negotiation: Strong negotiations with insurance companies to help secure a fair settlement.
- Legal Action: Readiness to pursue legal avenues if your valid claim is underpaid or denied.
My insurance company denied my Hurricane Milton property damage claim.
Our experienced property damage lawyers at Gelber Law Group are prepared to assertively challenge such decisions and fight for your valid claim to be fairly compensated.
A lowball offer or denied claim does not mean your claim process ends there. When your insurance company wrongs you, pursuing legal action and advocating for homeowners with the strength of Florida law is what the legal team at Gelber Law Group does every day.
Tell us about your claim. Call us at 954-320-0100 today.
There’s no cost or fee unless we get you paid.
What type of Hurricane Milton damage can homeowners with a valid claim expect compensation for?
Generally, standard homeowners insurance policies provide coverage for the following:
- Roof Damage
- Water Intrusion
- Structural Damage
- Broken Windows and Doors
- Tornado Damage
- Siding Damage
- Damage to exterior structures
- Damage to your personal belongings like furniture and clothing
- Additional living expenses if your property becomes uninhabitable
- Food spoilage
Review your specific policy with a Gelber Law Group attorney to ensure comprehensive coverage of all applicable damages.
Flood Damage versus Storm Surge and Water Damage
Storm surge damage is flood damage, but flood damage is not water damage.
It’s confusing, and many homeowners don’t fully understand the difference.
Standard homeowners’ insurance policies do not typically cover flood damage. Flood damage typically requires a separate flood insurance policy. If Hurricane Milton resulted in flooding, Gelber Law Group can help you determine the appropriate policy to file your claim under, advocating for the proper compensation.
Hurricane-specific water damage examples include:
- Wind-driven water intrusion
- Water damage resulting from severe roof damage
- Water damage from a roof leak
- Water damage resulting from broken windows or doors
Flood damage examples not covered by a standard homeowners insurance policy, even if the flood damage resulted from a hurricane:
- Storm surge from a hurricane
- Heavy rain events
- Flash flooding
For more information on flood insurance, visiting FEMA’s National Flood Insurance Program can help.
Our core mission is to help homeowners get paid for their valid property damage claims.
ZERO upfront fees. Getting started is free. Have a Hurricane Milton lawyer fight for your claim to be paid. You only pay if we get you paid.
At Gelber Law Group, our team is adept at countering insurance company tactics aimed at reducing payouts with formidable legal strategies. Our team, led by Attorney Matthew Gelber, is experienced in both negotiation and litigation, preparing every case with precision and strategic insight, all aimed at helping homeowners collect a high payout.
Contact us for a free claim review and further assessment of your claim’s value and validity.
Don’t settle for less—win with Gelber Law Group. Call today for a complimentary review of your Hurricane Milton damage claim.
Call us today at 954-320-0100 for a free damage claim review.