Florida Homeowners Guide to Insurance Claims After Hurricane or Flood Damage (2025)
Understanding Your Hurricane & Flood Insurance Coverage in Florida
Every year, thousands of Florida homeowners are impacted by hurricanes, tropical storms, and severe flooding. If your property suffers damage, knowing your insurance policy inside and out is crucial.
- Does homeowners’ insurance cover hurricane damage in Florida? Yes, but it typically only covers wind and rain damage — not flooding.
- What about flood damage? You need a separate flood insurance policy to cover rising water or storm surge.
- What is a “Named Storm Deductible”? A special deductible that applies during hurricanes or tropical storms, typically 2%–5% of the insured home value.
- Do I need both flood and hurricane coverage? Yes, especially in high-risk areas of Florida.
How to File an Insurance Claim After Hurricane or Flood Damage
- Ensure Safety First: Shut off electricity and gas if needed. Don’t enter unsafe areas.
- Document Everything: Take photos/videos of damage to roof, drywall, furniture, flooring, appliances, etc.
- Prevent Further Damage: Cover roof openings, remove standing water, and keep all receipts.
- Report Your Claim: Call your insurance company or file online and ask about coverage and deductibles.
- Get an Inspection: Meet with the adjuster and carefully review their loss scope.
How to Deal With Insurance Adjusters After a Hurricane
Adjusters work for your insurance company. Protect your interests by:
- Being present during inspections
- Getting your own contractor estimate
- Requesting everything in writing
Should You Hire a Public Adjuster in Florida?
If your claim is denied, delayed, or underpaid a public adjuster can help maximize your settlement.
What Kind of Damage Is Covered?
- Roof damage (shingles, leaks, structure)
- Water intrusion and drywall issues
- Flooding and flooring loss
- Mold or mildew cleanup
- Electrical and plumbing from storm impact
Legal Deadlines for Insurance Claims in Florida (2025)
- File initial claim: within 1 year of damage
- Supplemental claim: within 18 months
- Keep all documentation for protection
Contractor Help After Insurance Claim Approval
Craftline Remodeling works with insurance claims from start to finish. We help with:
- Detailed estimates for adjusters
- Permits and code compliance
- Roofing, drywall, flooring, and kitchen/bath rebuilds
- Clear timelines and reliable communication
FAQ – Hurricane & Flood Claims in Florida
How long does it take to get a payout after a hurricane claim?
Anywhere from 14 to 60 days depending on the complexity. Public adjusters can help speed this up.
Can I choose my own contractor for insurance work?
Yes, Florida law allows you to select any licensed contractor. You don’t have to go with the insurance company’s preferred provider.
Can I start repairs before the adjuster comes?
Only emergency repairs — but document everything thoroughly first.
What if my insurance company underpays?
You can dispute it. Provide a second estimate or hire a public adjuster to reopen the claim.
Let Craftline Remodeling Help You Rebuild The Right Way
We’ve helped countless Florida homeowners recover after flood and hurricane damage.
📞 Schedule your free inspection today:
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