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If you have ever had to file an insurance claim, you know how frustrating the process can be. Oftentimes, the insurance claims process isn’t even in the forefront of your mind until disaster has already struck.

Florida is a bit of a unique environment too. From the crazy changes in weather, and dramatic hurricane season, Florida is unlike any other US state. Floridians often have to deal with a much wider range of circumstances related to their home than more temperate climates.

The rules and regulations governing insurance claims in Florida can be confusing, too. Here’s a look at the most common claims in Florida for homeowners and some recommendations for getting through the process successfully.

Related: Everything You Should Know About Hurricane Damage Claims

7. Flood Damage

In Florida, flooding usually happens during the rainy season. When it rains, water will seep into your home or business and cause damage to your property. When flooding is severe enough to affect many people in a community, it can lead to widespread catastrophic damage.

Flood damage is a bit more commonly widespread in recent times too. In 2020, about 27% of homeowners said they had flood insurance, which was a record high for flood policies.

Flood insurance isn’t even available through your regular homeowners insurance either. You need specific flood insurance, which is provided through Federal Emergency Management Agency (FEMA), or private insurers.

The most common types of flood claims are: 

  • Water Damage – A pipe breaks or the roof leaks, causing water damage to your property 
  • Structural Damage – Flooding causes structural damage, such as cracks in walls or foundations 
  • Submerged Vehicles – If your car is submerged in water

Wind Storm Damage

6. Wind Damage

If you’ve ever seen the aftermath of a tornado or hurricane, you know how devastating wind damage can be. Strong winds can destroy buildings and property, and they are often accompanied by hail and other weather events that cause additional damage.

With the strong presence of hurricanes in Florida’s climate, it’s not surprising that this state can experience some severe winds. The worst hurricanes can have wind speeds of up to 175 mph.

The most common types of wind claims are: 

  • Roof Damage – If your roof is damaged by strong winds, it may not be able to withstand the weight of rainwater anymore and leak water into your home
  • Water Damage – Wind can also shake water out of pipes causing leaks in walls or floors.

5. Roof Damage

Roof damage can happen from hurricanes or storms, but it can also happen from high winds or even a large tree falling on your roof. If you have a flat roof, you may not have any damage at all. But if your roof is pitched and has shingles, then those shingles will likely be damaged by strong winds or heavy storms.

Roof damage insurance claims in Florida can be very expensive. It is important to have a good roof inspection done as soon as possible after a storm has passed through your area so that any damage can be repaired quickly.

Related: Wind Damage to Your Roof: Insurance Claim Tips

Lightning Damage Claims

4. Lightning Damage

Even though lighting strikes are thought to be rare, they actually do happen enough to cause some damage. 

Lightning damage looks like the shingles have been struck by a hammer and are cracked or even completely missing. The metal flashing around the chimney may be bent or melted, and the soffit vents may have damage to them as well. If you experience any sort of electrical surge, such as when lightning strikes your house, then you should contact a qualified electrician immediately to make sure that there is no further damage caused by this event.

You’ll know there is lighting damage to your property if you see small holes in your roof or flashes of light inside your home. If you notice any damage to the exterior of your house, such as cracks in the brickwork or damaged siding, then you should contact a qualified contractor immediately.

3. Mold Damage

Mold can be a serious problem for homeowners. Mold only grows in moist environments, but there may be areas in your home that retain moisture without you even realizing it. The most common type of mold is black mold, which can cause allergic reactions and respiratory problems. If you have water damage in your home or business, it’s important to get it taken care of quickly by a professional company.

In Florida, mold is most common in the summer months. The warm, humid climate makes it easy for mold to grow. If you have a leak or water damage in your home, it’s important to clean up the area right away. You should also hire a professional restoration company to make sure everything is done properly and safely.

2. Water Damage

Water damage is the second most common insurance claim in Florida. Water damage could come from either an external source (a storm or hurricane) or internal source (faulty pipes or plumbing.) It’s important to know what kind of coverage you have and whether it includes flood and plumbing insurance.

Water damage can happen in many ways, and you need to know how your coverage will work. Make sure you understand the ins and outs of your insurance policy, so you’re not caught off guard by the kind of coverage you have in the case of a disaster.

Related: 9 Water Damage Insurance Claims Tips To Help You Get Covered

Common Insurance Claims In Florida

1. Hurricane Damage

Hurricane damage is the most common insurance claim in Florida. If you live in a hurricane-prone area, it’s important to understand your coverage and how you can protect yourself from losses caused by wind and storm surge.

If you live in Florida, you’re probably familiar with hurricanes. The Atlantic Ocean is a huge catalyst for the severe weather changes, and it makes Florida susceptible to tropical storms and hurricanes from June through November. Hurricanes, regardless of the size, are classified by their wind speed and are categorized in Categories 1-4.

Tips for filing an insurance claim:

So, if you’ve encountered any of these circumstances, it’s important to take action as soon as possible to have your bases covered.

  • File a claim right away: The sooner you file a claim, the less likely you are to experience further damage to your property. Also, if you have an adjuster come out right away to assess the damages, they can help prevent additional problems such as mold growth.
  • Document everything you can: Take pictures and make a list of everything you’ve lost. Don’t throw anything away, since you may need to prove the damage to the item while your claim is being processed.
  • Make sure you know your policy: If you have a home insurance policy, it’s important to know what it covers and how much coverage you have. You may need to call your agent or review the policy yourself. 
  • Find an advocate for your claim: If needed, hire a lawyer or public adjuster to be your advocate during the process. This can be especially worthwhile if you feel you are not being compensated fairly for your losses.

All in all, insurance claims are complex and knowing what to expect for the most common claims in Florida can help you prepare.

If you need additional help with your claim, or feel like your settlement is unfair, a Public Adjuster can help you fight for the compensation that you deserve.

If you want professional advice or have questions, reach out to us at dependableresolutions@gmail.com 

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