Florida Personal Injury Lawyers Blog
Our Florida Hurricane and Storm Damage Claims Lawyers at Whittel & Melton understand the devastation and loss that come after hurricanes like Milton and Helene. Flooding can bring out serious damage, and not all insurance companies will honor flood damage claims fairly or in a timely fashion. At Whittel & Melton, we are stay ready to help all individuals and families who have been affected by Hurricane Milton or Helene so that we can get you the financial compensation you need to not only recover, but also rebuild after these storms.
Hurricane Helene and Hurricane Milton Claims: Why You Need a Lawyer
It can be difficult and time-consuming to handle flood damage claims following hurricanes. Victims may find themselves in a delicate position when insurance companies underpay, postpone, or even reject their claims. Another layer of complexity comes from the fact that many flood insurance plans are supported by the National Flood Insurance Program (NFIP), which is run by the Federal Emergency Management Agency (FEMA). Whether you are dealing with FEMA or a private insurance company, our lawyers at Whittel & Melton have successfully represented storm damage victims, making sure they lock in the full and fair compensation they deserve after a hurricane or storm has damaged their homes or businesses. We can do the same for you.
How Whittel & Melton Can Help
Our team of lawyers will:
- Carefully evaluate your insurance policy, including any FEMA-backed plans, to find out what is covered for hurricane flood damage.
- Gather evidence, such as photos and expert evaluations, to back up your claims.
Aggressively negotiate with your insurance provider to reach a fair settlement. - If necessary, appeal FEMA judgments and take legal action to ensure that you are not left paying repair costs on your own.
What Damages Does Flood Insurance Cover for Hurricane Helene and Milton?
Flood insurance usually covers building damage, plumbing and electrical system damage, and personal property damage resulting from rising flood levels. If your insurance is covered by FEMA’s NFIP, it will adhere to FEMA’s rules. Direct physical losses from flooding, such as structural damage to your home, foundation, plumbing and electrical systems, and personal items, are typically covered by FEMA-backed flood insurance. Policies may differ in what is covered, so it is crucial to speak with an attorney to learn more about what applies to you.
How Should I Go About Making a Claim Following Hurricane Milton or Helene?
Start by taking pictures and videos to record the damage. As soon as you can, notify your insurance provider and ask for an adjuster who works for your insurance company to evaluate the flood damage. If your insurance is backed by FEMA, be sure to adhere to their procedures. For example, you will be assigned a claim number and an adjuster will be dispatched to evaluate the damage when you file a flood insurance claim with your provider. Before any cleanup work is done, everything must be documented. For individuals who want aid beyond insurance payouts, FEMA also offers disaster assistance programs; however, there are eligibility restrictions that must be fulfilled. Make sure that you follow up with your insurance company in writing – email is fine. This helps make sure that they have received your claim and that you are doing your due diligence by staying on top of reporting your claim. You should also perform minor repairs to avoid future damage and save any receipts.
How Much Time Do I Have to Submit a Claim After Hurricane Milton and Helene?
It is critical to act fast. FEMA flood insurance claims are normally due within 60 days of the loss, whereas private insurers’ timeframes may differ. To make sure you do not miss any crucial dates, get in touch with us immediately for assistance with your claim.
What Can I Do If My Hurricane Helene or Milton Claim is Denied?
Get in touch with our Florida Hurricane and Storm Damage Lawyers at Whittel & Melton right away if you believe your settlement offer is too low or if your claim is rejected. We can assist you in obtaining more proof to support your case, challenging FEMA rulings, and negotiating with your insurance provider to get the money you need.
How Long Does it Take for the Insurance Company to Settle My Hurricane Helene or Milton Claims?
Although FEMA and insurance companies must act quickly, delays frequently occur. To expedite the process, we can file a lawsuit if you believe FEMA or your insurance provider is stalling.
Can I Submit a Claim for Flood Insurance and FEMA Disaster Aid at the Same Time?
Yes, but it is important to remember that FEMA provides supplementary aid for disasters. It can assist with expenses that your insurance does not cover, such as short-term lodging or minor repairs, but it does not take the place of insurance coverage. We can advise you on which claims to file and when. Keep in mind that if you have damage to your home or business from both Hurricane Helene and Hurricane Milton, you must fill out a separate form for each storm. You can access the application for FEMA here.
Do You Need Help with a Hurricane Milton or Hurricane Helene Flood Insurance Claim?
Our Florida Hurricane and Storm Damage Claims Lawyers at Whittel & Melton are here to be your legal advocates to ensure that you recover what you are rightfully owed from your insurance company or FEMA. We can walk you through how to prevent delays, make sure you understand FEMA’s regulations, and fight for maximum compensation for your claim. We can help you pick back up the pieces following two back-to-back hurricanes. Call us now at 866-608-5529 or contact us online for a FREE consultation.