 Hurricanes Helene and Milton made landfall on the west coast of Florida in recent months causing both flood and wind damage, and properties in the direct path of these hurricanes took the brunt of the impact upon landfall.
Having inspected multiple commercial and residential properties that sustained damage, separating the flood and wind damage was imperative to properly determine the amount of damage from each and through which policy to claim the damage. Because some clients quickly began mitigation, and mitigation was underway, we did not see the initial damage. Thankfully, they had photos and videos from each flood, which documented how high the waters were for each storm. Our residential client sustained both flood and wind damage. We had to separate the damages and prepare two different building damage estimates and two separate personal property inventories for each claim. On one of the commercial residential buildings, the primary damage was from flooding. Although they did have some wind damage to the roof and some balconies, their hurricane deductible was so high, that the wind damage would not exceed their deductible. Therefore, it did not make sense for them to file a hurricane claim. In another case where a building sustained structural damage to main supports from flooding, experts and engineers were needed to help determine not only the safety of the building but a detailed plan to repair the structural damage. On this claim, they also sustained wind damage to some of the common areas, as well as damage to the residential apartments. Again, separate estimates for both flood and wind needed to be completed. If you have any questions about your coverage, or you are not sure which claim to file, please contact us today for a free consultation. We have the knowledge and experience to know what types of damage should be filed under flood insurance and hurricane insurance policies. Whether you have a new or underpaid property damage insurance claim, see how we can help you. Call us at (561) 288-6434 or contact us here.
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