From September 23rd to September 30th in 2022, Hurricane Ian battered Florida’s western coast and even reached inland, leaving thousands without power and causing billions of dollars worth of damage across the state to insured and uninsured properties.
According to CoreLogic, total storm damage from Hurricane Ian throughout Florida cost between $40 and $64 billion — damage in other states brings this total to between $41 and $70 billion. The hurricane’s effects on residential, commercial, and public buildings includes:
- Windstorm damage to porches, garages, fences, and sheds
- Fallen trees damaging cars, buildings, and other property
- Roofs and shingles lost to high winds
- Wind and water damage to flooring, siding, and landscaping
Was your residential or commercial property damaged during Hurricane Ian? You may be entitled to damages via an insurance claim. Contact our law firm, Tighe P.A., today for a free, no-obligation consultation.
Property Damage Caused By Hurricane Ian
Throughout Florida, Hurricane Ian’s winds caused between $22 and $32 billion worth of wind damage, with storm-related flooding causing an additional $18 to $36 billion in damaged property. While many of the damaged properties were insured, others were uninsured.
If you live in an area frequently exposed to hurricanes or severe weather events, it’s essential to obtain and maintain property insurance. Uninsured damages can result in years’ worth of debt.
Uninsured and Insured Flood Loss
Per CoreLogic, uninsured flood and water damage in Florida from Hurricane Ian totals between $10 and $16 billion. Insured damages are between $8 and $16 billion, bringing the total flood damage in Florida to between $18 and $32 billion.
Uninsured and Insured Wind Loss
CoreLogic also reports that category 4 storm winds caused between $22 and $32 billion dollars’ worth of insured damage across Florida. The CoreLogic report does not show any wind damage that was not protected by insurance.
Hurricane Ian’s Impact on Florida’s Housing Market
Prior to Hurricane Ian, Florida’s housing market was growing steadily as remote work became more popular and people moved into the state seeking better property rates and a more temperate climate.
However, growth in the housing market will likely stall for the foreseeable future as residents opt to move to areas less prone to hurricanes and other natural disasters.
What To Do Before Filing A Property Damage Claim
During Hurricane Ian, damages were so pervasive that many are still recovering and rebuilding, and a huge part of the recovery process is filing hurricane property damage claims. If your house, apartment, or commercial property was insured, you’re entitled to compensation to fund repairs, replace lost property, and rebuild your life.
Below are the steps to take when filing a property damage claim.
Get To A Safe Location
Immediately following a natural disaster, getting to safety is the most important matter at hand. Follow any evacuation procedures in your area and get to a safe location where you and your family can wait out the storm. You can assess damage to your property later, when the storm has passed and it’s safe to go back into the area.
Call A Property Damage Insurance Lawyer
After property damage occurs, contact a property damage insurance lawyer for advice. Insurance companies make money from denying insurance claims, so it’s in their best interest to give you as little compensation as possible.
Property damage lawyers understand how insurance claims work and can help you file an airtight claim and greatly reduce the chances of a denial. If your insurance does deny your claim, legal counsel can help you file an appeal and obtain the damages you deserve.
Document The Damage
Thorough documentation is key to filing a successful insurance claim. Take videos and photos of all damage done to your personal property, and keep a written inventory and any receipts. Be sure to take video and pictures at different distances to document the full extent of the damage. If possible, find pictures of your property from before the storm to use as a comparison.
Hire A Trusted Contractor And Keep Your Receipts
Find a trustworthy contractor to inspect your property and provide additional information about the damage to your home and the surrounding area. If they perform any repairs before you file your claim, be sure to document the process and retain the receipts for your records. That way you can include reimbursement for repairs in your insurance claim.
Contact Your Insurance Company
After you’ve documented the damage and reviewed your insurance policy, contact your insurance company. They’ll send an insurance adjuster to inspect your property and verify the validity of your claim. IIf you receive a denial or low compensation, contact your property insurance attorney immediately to file an appeal.
How Tighe P.A. Can Help With Your Hurricane Damage Claim
At Tighe P.A., we understand how stressful and chaotic storm recovery can be, especially when you’re fighting for compensation. Our property insurance lawyers in Florida can shoulder that burden for you — from gathering information and filing the claim to advocating for you to recover compensation, we’ll support you through every stage of the claims process.
Contact our law firm today, and let us do the rest.