Hurricane Helene Property Damage Claims in Florida
Hurricane Helene made landfall in Florida on September 26, 2024 as a massive category 4 storm, leaving significant property damage in its wake.
Filing an insurance claim for Hurricane Helene is a priority to cover the costs of repairs to your damaged property.
Navigating the claims process can be challenging, especially when insurance companies often offer lower payout amounts than your repair costs or deny your valid claim entirely by stating a generic reason behind their decision.
Get your home professionally inspected – Gelber Law Group’s legal team can help get you started.
Florida’s one-year deadline to file a hurricane claim means you – as a homeowner – must know with 100% certainty whether or not your home sustained damage from Hurricane Helene. Not all damage is visible without the use of specialized equipment, and by the time hidden damage becomes visible, the damage may have significantly spread and worsened.
Get your home professionally inspected to avoid missing the window to file a hurricane damage claim.
What Type of Hurricane Damage Do Insurance Companies Generally Cover?
Insurance policies can be complex, but most standard homeowners’ insurance policies in Florida typically provide some form of coverage for the following:
- Wind Damage: Including damage to your roof, windows, and exterior walls.
- Hail Damage: Dents, cracks, or breaks caused by hailstones.
- Fallen Trees: Damage from trees toppled by strong winds.
- Structural Damage: Damage to the frame of your home.
- Personal Property Loss: Damage to belongings inside the home, like furniture and electronics.
It’s important to review your individual policy to understand your coverage fully. Some damages may require additional endorsements or separate policies such as flood damage.
A Gelber Law Group hurricane attorney can review your policy and help you better understand your unique coverage circumstances.
Should I Go Through My Homeowners Insurance Company for flood damage to my house?
One of the biggest misconceptions homeowners have is that flooding caused by a hurricane will be covered under a standard homeowner’s insurance policy. Flood damage is generally not included in a homeowners insurance policy.
Instead, you will need to have flood insurance, which is often provided through the National Flood Insurance Program (NFIP) or private insurers.
If you don’t have flood insurance, you may not be covered for flood damage caused by rising waters or storm surges. However, wind-driven rain or water damage resulting from a roof or window breach is usually covered under a standard homeowners insurance policy. It’s important to contact your insurance provider to determine what kind of coverage applies to your specific situation. Scheduling a complimentary, one-on-one claim review with a Gelber Law Group Hurricane Damage Attorney will also bring awareness on what type of coverage you may have for your home.
Can you help me file a Hurricane Helene property damage claim?
Yes, we can! Filing a property damage claim after a hurricane can be a complex and overwhelming process, but it doesn’t have to be. At Gelber Law Group, we’re here to help simplify this complex process and remove the burden off your shoulders.
If you need help filing your Hurricane Helene damage claim, contact us today for a free consultation. Let us fight for the compensation you deserve.
There are ZERO upfront costs and no fees to get started. We only get paid if you get paid.
- Phone: 954-320-0100
- Email: Matt@GelberLawGroup.com
- Message us: Send us a message
We’re here to help you every step of the way.