4 Tips to Prepare for Hurricane Milton Damage Claims

The first step in preparing for any storm is understanding your current insurance coverage. Hurricane Milton is forecasted to impact a wide area, so knowing exactly what your policy covers can save you time and stress after the storm.

• Check for specific hurricane and flood coverage: Not all standard homeowner’s policies include flood insurance, and hurricane deductibles can be higher than other types of coverage.
• Know your deductible: Hurricanes often come with a separate deductible, which is usually a percentage of your home’s insured value. Review your policy now to avoid surprises later.

Get clarification if needed: If you’re unsure about the terms of your policy, now is the time to contact your insurance agent for clarification.

One of the most important steps you can take before a storm is to document your property thoroughly. This will serve as crucial evidence if you need to file a damage claim after Hurricane Milton.

• Take photos and videos: Make sure to capture the condition of your home or business, including all interior and exterior areas, before the storm hits. Focus on high-value items and important structural components.

Store your documentation safely: Upload photos and videos to cloud storage or email them to yourself so that they are accessible, even if your devices are damaged during the storm.

Preventing damage is not only essential for your safety but also can help reduce complications during the claims process. By taking these precautionary measures before Hurricane Milton arrives, you can protect your property from extensive harm.

• Install hurricane shutters or board up windows: Flying debris can cause significant damage, and reinforcing windows can prevent more costly repairs.
• Secure outdoor items: Bring in or secure any loose items such as patio furniture, grills, and decorations to prevent them from becoming projectiles during the storm.

Inspect and repair roof and gutters: Make sure your roof is in good condition and that gutters are clear to prevent water buildup and leaks.

Once Hurricane Milton has passed, acting quickly is crucial when it comes to filing damage claims. Insurance companies often get overwhelmed with claims after major storms, so submitting your claim as soon as possible can help speed up the process.

• Contact your insurer immediately: Notify your insurance company about any damage right after the storm and keep all communication documented.
• Get a professional inspection: For hidden damage, such as roof leaks or structural issues, it’s best to have a professional conduct an inspection. This will help ensure that you include all damage in your claim.
• Keep receipts for temporary repairs: If you need to make emergency repairs to secure your property, be sure to keep all receipts. These can be submitted as part of your claim later.

Quick Bonus Tip – If you have the means to pay the contractor upfront, we have had many clients tell the contractors that they don’t have insurance and will be paying directly. Typically, you will get the best deal doing it this way and there will be no surprises. These costs are typically going to be reimbursed during the claim process, just make sure to get a receipt and/or invoice showing it has been paid in full.