Avoid These 4 Costly Mistakes When Filing Your Hurricane Milton Insurance Claim

Hurricane Milton is on the horizon, and if it leaves your home damaged, filing an insurance claim will be one of your first steps toward recovery. However, the claims process is filled with pitfalls that can delay or reduce your payout if you’re not careful. Don’t fall into these traps! Here are four costly mistakes to avoid, based on my experience and the insights shared in my e-book, How Not to Get Screwed Over by Your Insurance Company.

1. Mistake #1: Delaying Your Hurricane Insurance Claim Report

Time is critical after a hurricane. Florida law sets strict deadlines for reporting initial and supplemental insurance claims. If you wait too long, you could forfeit your right to coverage. Contact your insurance company immediately to report any damage and follow up in writing.

Pro Tip: Keep a record of your communication, including the date and time you reported your claim. Emailing your initial report and asking for a confirmation is a great way to have a documented record that can be used if the insurer disputes your claim timeline.

2. Mistake #2: Inadequate Documentation of Hurricane Damage

When it comes to insurance claims, documentation is your best defense. Before you clean up or make any repairs, photograph and video every inch of the damage—both interior and exterior.

Pro Tip: Create a folder for “Hurricane Milton Damage” and separate your photos and videos by areas of damage, such as “Roof,” “Interior,” and “Yard.” This will make it easier to present your evidence to the insurance adjuster.

3. Mistake #3: Not Attending the Insurance Adjuster’s Inspection

The insurance adjuster’s inspection is a critical step in the claims process. If you’re not there, you can’t ensure they see the full extent of the damage. Adjusters may overlook certain areas or make assumptions that could reduce your payout.

Pro Tip: Take notes during the inspection, and if the adjuster misses something, politely point it out. Remember, you’re your best advocate!

4. Mistake #4: Accepting the First Settlement Offer Without Question

It’s common for insurance companies to make an initial settlement offer that’s far below what’s needed to restore your home. Don’t feel pressured to accept this offer without a thorough review.

Pro Tip: If the offer seems low, ask for a detailed explanation of how they arrived at their estimate. Compare it with your own documentation and, if needed, obtain a second opinion from a contractor or public adjuster.

Final Thoughts: Avoiding these four mistakes can significantly improve your chances of a fair settlement from your insurance company. For more in-depth advice on navigating your claim and challenging lowball offers, check out my e-book, How Not to Get Screwed Over by Your Insurance Company. With the right knowledge and strategy, you can ensure your insurance company pays what you’re rightfully owed. Stay safe, and take control of your hurricane insurance claim!