Storm season occurs every year in Central Florida, and there is no question of whether there will be storms, but when the storms will strike. Each year, tropical storms, hurricanes, heavy rain, wind damage, and flash floods put Orlando property owners in danger from damaging weather events. Even though preparing for damage can help prevent loss from storms, during and after a storm, going through the insurance claim process can be stressful, confusing, and overwhelming.
Knowing how your insurance company works prior to a loss can help save you time, stress, and money after a loss has occurred. Once your property has sustained a loss from storm damage, you must document the losses and coordinate the appropriate remediation actions with professionals to make the insurance claim process easier.
Working with Storm Damage Restoration Orlando professionals is the best way to ensure that you achieve both effective remediation and complete the necessary documentation with your insurance company.
In this guide, we will provide you with basic insurance tips for Orlando homeowners and business owners who want to make sure they understand the insurance process for storm damage restoration before they experience damage.
Why Storm Damage Insurance Knowledge Is Important for Orlando
Orlando is located in an area that has a very high probability of experiencing damaging storms, including hurricanes, tropical systems, and severe thunderstorms. In addition to being located in a floodplain, property owners can experience roof damage and wind-driven rain from tropical storms, hurricanes, and other severe thunderstorms.
Because there are so many storm-related damages and losses in Florida, knowing how to work with Storm Damage Restoration Orlando professionals will help build your confidence and provide clarity in the way you respond to damaging weather events.
Some Insurance Policies Are Not Easy to Understand
Some insurance policies have very specific deductibles for wind or hurricane damage. A lot of people don’t understand that hurricane deductibles differ from normal deductibles. You need to know how your policy works before you may need to call for help with Water Damage Restoration Orlando or have repairs made due to hurricanes.
Tip #1: Know Your Policy Before Storm Season
Know Your Coverage Limits
All property insurance policies have coverage limits for structural damage, personal property, and other living expenses. You should know what is covered under your Water Damage Restoration Orlando claim before the storm season begins.
Know Your Hurricane/Wind Deductible Amounts
In Florida, hurricane deductibles are usually percentage-based rather than a set amount like in other states. Knowing what your deductible is can help you prepare financially to have emergency Water Damage Restoration Orlando work done.
Tip #2: Document Your Property Pre-Damage
Take Photos and Videos of Your Property
It would be beneficial for you to walk through your home and take video footage of each room in the house, every exterior area of the home, and every valuable item you own. When filing a Water Damage Restoration Orlando claim, it is much easier to substantiate your claim with previous documentation of your possessions.
Store Your Documents Safely
Keep your insurance policy, receipts, and home inventory lists stored either digitally or in waterproof containers so they are easy to access in the event you need to file a claim. Keeping all of your documentation stored in one place greatly simplifies coordination with Water Damage Restoration Orlando professionals and adjusters.
Tip #3: Take Action Immediately After a Storm
Prevent Additional Damage
To be compliant with your insurance company, you are required to take preventive measures in an attempt to limit future damage. Contacting a Water Damage Restoration Orlando service within minutes of the damage is proof that you took responsible action.
Do Not Delay in Contacting Your Insurance Company
As soon as you notice damage, you should call your insurance company and report the damage. The sooner you notify your insurance provider and get help with Water Damage Restoration Orlando, the better your chance of a successful claim.
Tip #4: Utilize Licensed Restoration Professionals
Accurate Damage Assessment
There can often be damage to your home from storms that you may not see until after receiving a professional evaluation. Types of damage that require evaluation by a trained specialist are roof damage, hidden moisture, or structural issues.
A skilled technician who specializes in Storm Damage Restoration Orlando will provide you with a comprehensive damage assessment report for your insurance company.
Proper Moisture Detection
If wind-driven rain has penetrated your house, you may not know it until you experience problems. The experts at Certified Water Damage Restoration Orlando use some of the most advanced moisture detection equipment in order to find hidden moisture and eliminate future moisture problems.
Tip #5: Do Not Sign Contracts with Contractors Who Are Not Verified
Storm Chasers
A contractor from out of state will often attempt to obtain immediate repair contracts after a significant storm.
Working with an established contractor known for providing Storm Damage Restoration Orlando will ensure you are working with an insured and bonded company.
Confirm Credentials
Always verify the contractor’s license and insurance and confirm that they have a physical office located near your home. Companies that provide Water Damage Restoration Orlando services will provide you with clear documentation and communication.
Tip #6: Know What You Are Covered For: Flood vs. Wind Damage
Flood Insurance Is a Separate Policy
If your house floods, it will not typically be covered under a standard homeowner policy (unless you have flood insurance). If you do have flooding at your home, you will need to file a separate flood insurance claim for the Water Damage Restoration Orlando team to assist with the repairs.
Wind-Driven Rain Coverage
If your roof fails from wind damage, it would typically be covered under a standard policy. A well-trained team with Storm Damage Restoration Orlando will assist you in determining where the damage originated.
Tip #7: Keep Information on Hand Throughout the Restoration Process
Keep Records
Be sure to keep accurate records of any conversation you have had with your adjuster or contractor. You will have clear documentation by working with a qualified company that provides Storm Damage Restoration Orlando services.
Keep Comprehensive Records
Maintain records for temporary repairs, lodging, and mitigation services.
Water Damage Restoration professionals in Orlando may assist with generating records to support reimbursement.
Common Mistakes to Avoid Following Storm Damage
Not obtaining an assessment quickly enough may lead to additional damage or denial of a claim.
Obtaining an assessment of storm damage provided by Water Damage Restoration Contractors located in Orlando is an indication that a homeowner is taking a proactive position regarding mitigation.
Major Repairs Through Do-It-Yourself Projects
Any temporary repair that can be completed by a homeowner is acceptable; however, any major restoration work should only be done by a professional.
Storm Damage Restoration Contractors in Orlando are certified by the state to ensure that the work they complete is performed in accordance with accepted building standards.
Frequently Asked Questions About Insurance Claims
1. Does Homeowner’s Insurance Cover Damage Caused by Hurricane Winds?
Most homeowner’s insurance policies contain a clause concerning wind damage; however, most policies also have a separate hurricane deductible.
2. Will My Insurance Policy Cover Flood Damage?
Generally, homeowner’s policies do not cover damage caused by floodwaters. Homeowners are required to purchase a separate flood insurance policy to obtain coverage for flood damage.
3. How Soon After Storm Damage Should I File a Claim?
You should file a claim immediately following any loss or damage. Delays in filing a claim can result in complications with the approval process.
4. What Materials Do I Need to Provide to Support My Claim?
Use photographs, videos, reports from a professional inspector, and repair estimates to provide documentation to support your claim.
5. Will Restoration Companies Assist Me in Documenting My Claim for My Insurance Company?
Many Water Damage Restoration Contractors in Orlando providing Storm Damage Restoration services will help a homeowner meet insurance requirements by providing documentation and communication to the insurance adjuster.
Conclusion: Don’t Delay An Inspection to Avoid Claim Denial
Storm damage does happen in Central Florida; however, by preparing properly and understanding your insurance policies, you will reduce stress and difficulties when attempting to recover from a loss. You should review your insurance policy, develop a record of what you have and its condition, take prompt action to secure your property, and employ only licensed professionals to assist you in recovering from a traumatic experience.
To mitigate and restore your property accurately, respond to and evaluate your damage quickly, and establish thorough documentation of your loss, partner with a trained and certified Water Damage Restoration Contractor in Orlando.
United Water Restoration Group of Orlando provides both Water Damage Restoration and Storm Damage Restoration Orlando services to residential and commercial clients. We assist clients in completing documentation requirements established by their insurer to help them recover from severe weather-related events.