Florida Panhandle Flood Victims without Flood Insurance Still Have Options

Watching some of the video clips posted on the Pensacola News Journal website that shows the extensive flood damage in Pensacola, Destin, Ft. Walton Beach and surrounding areas, I was reminded of the thousands of homes flooded in Super Storm Sandy and the insurance claims that ensued. The one common denominator both events share is the large amount of debris piled up in the front yards of neighborhoods. Those piles of personal property, drywall and other interior building components are the tell-tale signs of flood damage.  Looking at the homes and buildings from the street or from the air in a lot of cases would not reveal the extent of damage as roofs, windows, and exterior building cladding were still intact.

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Florida Panhandle Flood and Tornado Victims Need to Educate Themselves About Restoration Work

Based on reports, homeowners and businesses in the Florida Panhandle (including Pensacola and Destin and much of the Southeast) are dealing with serious flood and water damage from the recent storms. Once local authorities give the all clear, your property has been inspected and it’s safe to return, mitigation efforts should be started. If insured for the loss, you will find most insurance policies have a requirement that you take reasonable and necessary measures to protect and preserve your property from further damage. This can be a difficult and challenging undertaking that require decisions often involving a great deal of money at a time when your insurance adjuster may not have seen your loss or given the OK to start the dry-out or restoration process. If possible have the restoration company give you the scope of work and pricing in writing and then give it to the adjuster assigned to your loss from the insurance company for their approval. If possible, schedule a meeting at the site with all parties present. While this may not be practical given the scope and size of a storm, it leaves nothing to chance.
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"On Property" Insurance Claim Tips Blog

Tips and advice about how to properly file and protect your property damage insurance claim and get a fair settlement. We invite all readers to ask questions about their claim so our public adjusters can post answers for others to benefit. Insurance claim expert guest bloggers welcome to submit posts via our contact form.

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Local Office

Charles R. Tutwiler & Associates Inc., DBA Tutwiler & Associates Public Adjusters
Licensed Public Insurance Adjusters & Loss Consultants
Offices: Tampa, Orlando, Ft. Lauderdale, Palm City, Ft. Myers, Florida; Dallas, TX; Pittsburgh, PA

Executive Office
4300 W. Cypress St.
Suite 780
Tampa, FL 33607
Phone: 813.287.8090
Toll Free: 800.321.4488

Licensed in Florida # W840088 &
Texas #1399706 plus 16 other states
and the Virgin Islands