As a follow-up to our insurance claim tips blog post yesterday, some of the calls and reports we are receiving in the aftermath of Hurricane Debby are quite alarming. Residents of the Lakewood Ranch community are reporting extensive flood damage to homes and cars, along with critical care needs due to heart attacks, electrocutions, and other emergencies that have tragically resulted in loss of life. Property owners are stuck in their homes, waiting for the waters to recede, and many are concerned about their coverage since these inland communities, which haven't experienced flooding in over 30 years, are not near the coast. While automobiles will likely be covered, expensive damages to homes may result in numerous liability claims against developers and possibly municipalities. This is an ongoing critical situation, and we are working to assist those calling in need of help.

It is extremely important to have records of your property’s condition in the event that you need to file a claim with your insurance company. Based on current assessments, Hurricane Debby is expected to cause significant losses from Ft. Myers in Southwest Florida, Sarasota to Clearwater St. Petersburg, and especially into Tampa Bay. Right now, flash flooding continues, storm surge coinciding with onshore winds, a full moon, and high tides may produce some surprises. Property owners should prepare for the worst. Additionally, embedded tornadoes and significant wind gusts are always a risk, causing roof and interior water damage that may initially appear as roof leaks.