As recovery efforts begin after Hurricane Helene, many Floridians are facing the challenge of navigating property damage claims. This is a critical moment, especially given the lessons learned from Hurricane Ian just two years ago. While the focus is understandably on the present, 60 Minutes will be airing a segment tonight titled After the Hurricane, reflecting on Ian’s aftermath and the road to recovery—an important reminder as we move forward after Helene.

Navigating the Insurance Claims Process

Many businesses and homeowners feel overwhelmed when dealing with insurance companies, especially in the aftermath of a major hurricane. Misinformation can further complicate things—recently, a news report incorrectly stated that ‘wind-driven’ rain is covered under most homeowners’ policies. However, wind-driven rain is often excluded. This confusion can lead to unnecessary claim denials. To avoid this, be sure to report your claim simply as “Hurricane Helene Damage” and stick to the facts.

Safety First: Managing Flood Claims and Proper Mitigation

While filing claims is important, safety must always come first. Many policyholders have never dealt with flood insurance claims before, which can make understanding the National Flood Insurance Program (NFIP) daunting. Below are key resources to help guide you through the process:

• Dwelling Form
• General Property Form
• Residential Condominium Building Association Policy Form

For those submitting flood claims, keep in mind that there’s a 60-day deadline to submit a proof of loss if you dispute the insurance carrier’s estimate. While this deadline may be extended, the current date to note is November 25, 2024.

Flood Mitigation Protocol

To help you manage flood damage effectively and in compliance with FEMA standards, follow these essential steps:

1. Initial Assessment: Document flood lines, inspect all affected areas, and label each room.
2. Muck Out and Sanitization: Remove standing water and debris, then clean and sanitize all affected surfaces.
3. Wallboard & Insulation Removal: Perform a flood cut (2' to 4') on walls and trim. Document everything for insurance.
4. Flooring Removal: Remove and dispose of carpet, laminate, vinyl, and other floating floors.
5. Cabinet & Vanity Removal: Safely remove lower cabinets and vanities compromised by floodwaters.
6. Content Protection & Disposal: Cover and protect salvageable items. Dispose of unsalvageable contents once a disposal form is signed.
7. Drying & Dehumidification: Set dehumidifiers and air movers for at least 3 days, monitoring moisture levels daily.
8. Debris Management: Haul debris to the curb for municipal pick-up. Arrange for additional removal if debris isn’t cleared within 30 days.
9. Insurance Compliance: Ensure all work is well-documented and compliant with insurance, NFIP, and FEMA standards.
10. Take Photos & Videos: Capture plenty of photos and videos throughout the process, documenting all damage and work done for your claim.

Get Help Navigating Your Hurricane Helene Insurance Claim

Dealing with the aftermath of Hurricane Helene can feel overwhelming, especially when it comes to navigating insurance claims for various types of damage—whether it's from flooding, windstorms, fires, or structural issues. Additionally, many homeowners face challenges related to additional living expenses during the recovery process.

At Tutwiler & Associates Public Adjusters, we understand the complexities of hurricane-related claims. Our experienced team is ready to assist you with any questions or concerns, ensuring that your claim is handled professionally and effectively. Whether you're facing flood damage, windstorm loss, or other property-related issues, we’re here to help you get the recovery you deserve.

If you have questions regarding Hurricane Helene insurance claims, please call our office at 800-321-4488 or submit a claim to one of our public adjuster insurance claim experts for review. For more information visit PublicAdjuster.com for Claim Tips and follow our On-Property blog.