The post-recovery after a hurricane can be a challenging and stressful experience. Understanding damage assessment, contacts, and expectations post-hurricane as a local resident can ease recovery burdens significantly.

Assessing Hurricane Damage & Mitigation

Prior to the storm, we recommend following a detailed checklist, having your property inspected, and accurately documenting the current condition of the property.

For more information, read the following blogs:

After the storm has passed, your responsibility as a policyholder will be to assess the damages to your property and mitigate further damage. We recommend inspecting the exterior of your property looking for any broken or loose materials. In addition, inspect the interior of your property for water leakage or pooling water. Early connection, detailed documentation of damage, and mitigation strategies are vital for your insurance claim process.

Important Contacts After the Hurricane

In regards to property damage after a hurricane, there is a significant need for mitigation professionals, inspectors, and contractors in the community. Insurance carriers will also experience an increase in call volume and claims coming in from the community. Prior to the storm, we advise having a list of important contact information including your insurance carrier, mitigation companies, contractors, government authorities, medical assistance during a disaster, and your local Red Cross.

Our team is readily available during a hurricane. In the aftermath of the storm, we take over the communication, scheduling, and coordination with your insurance carrier, inspectors, mitigation companies, and contractors. We take the burden of handling the devastating damage from the hurricane so you can have a full focus on your family, health & safety following the storm.

What to Expect as a Resident

As a resident, you can expect the recovery process to take time. The immediate aftermath of a hurricane can be chaotic and challenging, often requiring a great deal of patience and persistence. Communities will come together to overcome the struggles of power outages, limited access to food and water, as well as the extensive damage to homes, businesses, and natural resources.

Keep informed about the latest updates and instructions from location authorities to help you navigate the recovery process. The days and weeks following a hurricane may result in delays of power recovery and availability of essential services. It’s important to be prepared to live without essential services for a period of time, and to come together as a community to support one another as you navigate the recovery from the hurricane’s impact.

As communities assess the aftermath of not one but two hurricanes—first Helene, now Milton—the emotional and physical toll on property owners is profound. When you’re staring at your damaged home or business, the recovery process can feel overwhelming. But, in 2024, technology is stepping up to offer hope and support. From drones flying high above to AI crunching data at lightning speed, tech is reshaping how we approach disaster recovery and insurance claims.

The Role of Technology in Hurricane Recovery

Eyes in the Sky

Drones have emerged as invaluable tools in the wake of natural disasters. They provide aerial assessments to allow rescue teams and adjusters to capture detailed images of damage from above. This means faster inspections and access to hard-to-reach areas, enabling responders to prioritize efforts where they’re needed most.

AI and Machine Learning: Analyzing Data for Better Decisions

Artificial Intelligence (AI) and machine learning are transforming disaster recovery. By processing vast amounts of data in real-time, AI can predict potential risks, helping to prioritize areas for immediate attention. This proactive approach allows for resources to be allocated efficiently, minimizing further harm and expediting recovery.

Satellite Imagery

Satellite imagery plays a crucial role in understanding the full impact of hurricanes. By providing historical comparisons of properties, satellite technology allows adjusters to assess damage levels accurately. This transparency is vital, as it helps property owners understand the extent of their losses and ensures insurance claims are based on concrete evidence. In turn, satellite imagery can help policyholders start their claim on a solid foundation.

Streamlining the Claims Process with Technology

Historical Data vs. Current Damage

Technology integration allows insurers to compare historical property conditions with the devastation left in Hurricane Helene and Hurricane Miltons wake. This capability not only aids in accurate damage assessments but also reassures policyholders that their claims can be handled fairly and transparently. Premier Claims aims to stay at the forefront of technology, aiming to provide top-tier service to our clients.

Automated Claim Processing

The adoption of automated systems for initial claims assessments is a game changer. Policyholders can receive quicker settlements and begin their road to recovery by expediting the claims process. This efficiency aims to alleviate unnecessary stress in an already trying time, so Policyholders can focus on rebuilding their lives.

The Future of Recovery and Resilience

As technology continues to evolve, so too will our ability to respond to natural disasters. Innovations will further enhance recovery efforts, paving the way for more resilient communities. Remember, community involvement remains a cornerstone of recovery, and technology can amplify our collective efforts. In the face of Hurricane Helene and Hurricane Milton’s devastation, technology is a beacon of hope, helping streamline recovery and supporting affected property owners.

At Premier Claims, we are committed to being your trusted advocate during this challenging time. If you need assistance navigating the claims process, contact us today. Together, we can rebuild and restore what has been lost.

Florida Property Owners Forced to Prepare for Hurricane Milton Days After Hurricane Helene

Florida is no stranger to hurricanes, but the threat of Hurricane Milton, following closely on the heels of Hurricane Helene, is unimaginable. If you’re still dealing with the destruction of Helene or in the path of Milton, it’s crucial to take immediate and proactive steps to protect your property, family, and, most importantly, yourself.

“There are simply no words to describe the extraordinary intensification we have witnessed in this storm today,” US Stormwatch weather analyst Colin McCarthy posted on X.

Clear Debris and Secure Loose Items

After Hurricane Helene, your property may be littered with debris that can become dangerous projectiles in Milton’s high winds. Items left unattended can exacerbate damage and pose significant risks to life and property.

Clear Your Property

If it’s safe to do so, take pictures of your property and the damage from Hurricane Helene. Remove fallen branches, shingles, and other debris from your yard to prevent them from becoming hazardous during Hurricane Milton.

Secure Loose Items

Bring in patio furniture, grills, bicycles, and any other loose items that could be lifted by the wind. Consider securing heavy items with tie-downs.

Check Local Resources

If you have large hazardous debris, contact local waste management or disaster relief services for assistance in removal. Florida Governor Ron DeSantis “ordered all disaster debris management sites to remain open to allow 24-hour drop-off,” reported by 10 Tampa Bay.

Hurricane Milton Resources

For a county-by-county guide on what to do with debris before Hurricane Milton makes landfall, read the following guide: DEBRIS CLEANUP: Here’s a county-by-county guide on what to do with debris ahead of Milton.

We’ve created a state-by-state guide for those affected by Hurricane Helene and those preparing for Hurricane Milton. Our team will continue to update the guide as more resources become available. To find the resources in your state, read our complete guide: Hurricane Emergency Resources.

Document the Current State of Your Property

As Hurricane Milton approaches, it’s important to document the current state of property and any damage sustained from Hurricane Helene. Given the close proximity of the storms, knowing which hurricane caused what can come in handy during the claims process. That being said, your safety is our top priority. Do not document your property if it isn’t safe to do so.

Thorough Documentation

- - Take Photos and Videos: Capture comprehensive images and videos of any damages.
  - Create an Inventory: Make a detailed list of everything in your home or building, including their condition, value, and any repair work already being accounted for from Hurricane Helene.
  - Use Time Stamps: Time-stamp your photos and videos to establish when the photo was taken. This can come in handy during the claims process.
  - Physical Copies: Keep physical copies of important documents in a waterproof container.
  - Digital Back-Up: Use a secure cloud storage service to upload essential documents like insurance policies and identification papers.

Organize Your Records

- - Save a Copy of Your Insurance Policy: If you haven’t already, contact your insurance carrier and request a full copy of your insurance policy.
  - Keep All Repair Estimates: If you’ve received any repair estimates since Helene and are expecting to be hit by Milton, keep those documents handy.
  - Compile Correspondence: Gather any emails or messages with your insurance carrier or contractors regarding damage from Helene, as these can serve as supporting evidence in your claims.

Our team is in the field rapidly trying to help those impacted by Hurricane Helene and are prepared to do the same for Hurricane Milton. For assistance in your recovery, contact our team today!

Fortify Your Property’s Defenses

Hurricane Milton’s winds can exploit any weaknesses left behind by Helene. Now is the time to reinforce your property against further damage. The next 24 hours will be crucial.

- - Hurricane Shutters: Install hurricane shutters or board up windows with plywood. Secure doors with deadbolts and door braces to resist high winds.
  - Gutter Maintenance: Clear your gutters and downspouts so they can handle heavy rainfall and direct water away from your foundation as much as possible.
  - Use Sandbags: Consider placing sandbags at the base of doors and windows to help prevent flooding from Hurricane Milton. To properly make and place your sandbags, follow the Florida Disasters step-by-step guide: Hurricane Milton Sandbag Usage.

Evacuation Plan

Hurricane Milton is projected to be a storm for the history books. It became a Category 5 storm this afternoon and is expected to maintain speed as a Category 3 or 4 when it makes landfall in Florida. If you are a Florida resident, we urge you to take the gravity of this storm seriously and protect yourself. Having a solid evacuation plan is a top priority.

- - Stay Informed: Monitor updates from the Florida Division of Emergency Management and your local county news outlets for evacuation orders and safety tips.
  - Pack Essential Items: Prepare a go-bag containing necessary items such as important documents, medications, clothing for at least 72 hours, and pet supplies (if applicable).
  - Designate an Evacuation Route: Know your evacuation routes well in advance and share them with those you know outside of Hurricane Milton’s path. Plan alternative routes in case primary roads are blocked. Keep gas in your vehicle and consider a full tank before the storm hits.

Your Safety is Priority #1

With Hurricane Milton fast approaching, Florida property owners must take immediate and decisive action to protect not only their property—but, ultimately, themselves. While the thought of facing another hurricane is daunting, your preparedness can make all the difference. Above all, your safety is our priority, and we stand ready to support you every step of the way. Contact our team today for hurricane assistance.

The State of Hurricane Ian Insurance Claims

Hurricane Ian brought widespread devastation to Florida, prompting a surge in insurance claims. However, data from the Florida Office of Insurance Regulation (FLOIR) reveals a concerning reality: a significant portion of these claims were denied. Specifically, 28.3% of residential and 30.6% of commercial claims were fully denied, leaving many policyholders without the compensation they needed to recover.

The Scale of Denials and Underpayments

These Hurricane Ian claim denial rates indicate that over one in four policyholders received no payment for their claims, not even partial settlements. This situation highlights critical issues within the insurance claim process, especially in high-impact areas such as Lee and Charlotte counties, where the denial rates were particularly high. The statistics underscore a broader challenge in ensuring that policyholders receive fair and timely settlements.

Lines of Business	Claims Reported	Open Claims with Payment	Open Claims without Payment	Claims Closed with Payment	Claims Closed without Payment	Percent of Claims Closed
Residential Property	558,299	24,180	13,369	362,626	158,124	93.3%
Homeowners	454,072	20,259	11,463	286,786	135,564	93.0%
Dwelling	57,451	2,950	1,672	37,912	14,917	92.0%
Mobile Homeowners	42,861	491	87	35,839	6,444	98.7%
Commercial Residential	3,915	480	147	2,089	1,199	84.0%
Commercial Property	33,010	4,508	4,383	11,363	12,756	73.1%
Private Flood	5,645	378	85	3,705	1,477	91.8%
Business Interruption	582	25	21	411	125	92.1%
Other	179,405	1,097	998	151,764	25,546	98.8%
TOTALS	776,941	30,188	18,856	529,869	198,028	93.7%

Data collected by the Florida Office of Insurance Regulation as of April 22, 2024

Why Are So Many Claims Denied?

Several factors contribute to the high rate of claim denials. According to industry reports and expert analyses, common reasons include:

Insufficient Documentation

Often, claims are denied due to inadequate documentation. Policyholders must provide comprehensive evidence of their losses, including photographs, receipts, and detailed descriptions. Without this, insurers may find grounds to deny a claim.

Policy Exclusions

Many insurance policies contain specific exclusions that are not always clearly understood by policyholders. These exclusions can cover a range of situations, from particular types of damage to specific causes of loss, and can lead to unexpected denials.

Misinterpretation of Policy Terms

Misinterpretation or misunderstandings about policy coverage can also result in claim denials. Both insurers and policyholders may have different interpretations of what the policy covers, which can lead to disputes.

The Importance of Claim Reviews

Given these high denial rates, it is crucial for policyholders to seek a professional claim review. This process can identify potential underpayments or improper denials, allowing policyholders to receive the compensation they’re owed according to their policy. The FLOIR encourages policyholders facing issues with their claims to report them and seek assistance. Professional reviews by trained adjusters, like those at Premier Claims, can help navigate the complexities of insurance policies and advocate for a fair settlement.

Taking Action

The data above clearly shows a significant number of claims from Hurricane Ian were denied or remain unresolved to this day. Affected policyholders need to act proactively. By seeking a professional claim review, you can set yourself up for success to help rectify your losses.

If you experienced a Hurricane Ian claim denial or you suspect it was underpaid, consider getting a thorough claim review. Contact Premier Claims today to learn more.

Being Hurricane Preparedness Week and with hurricane season quickly approaching, it is important you and your family are prepared by planning ahead. To prepare before the storm, we suggest focusing on four areas: Hurricane information & evacuation plan, strengthening your home & business, updating & reviewing your insurance policy, and stocking your supplies.

Hurricane Information & Evacuation Plan

If you live in a hurricane prone area, it is critical that you have a list of ways you can get trusted hurricane information readily available. We suggest bookmarking National Weather Service, Ready and national news outlets on your mobile devices for immediate access to information. In addition, social media can be a great source of real time updates — Join the latest Facebook group for the named Hurricane to receive multiple updates from various sources.

For your safety, planning a general evacuation plan and knowing alternative routes can save you time and stress when a hurricane strikes. When a hurricane is approaching, make sure you communicate your evacuation plan with someone else outside of the storm’s path.

Corner business with windows boarded up

Strengthen Your Home & Business

Take a walk around your home and your business and look at areas that may be vulnerable in the event of a hurricane. Trimming trees regularly can help prevent excessive broken branches that can cause damage. Minimizing the number of outside loose items, such as patio furniture & recreational equipment, will reduce the amount of time you need to properly secure the items prior to the storm hitting. In advance, we recommend having the necessary materials to board up any windows to protect them from flying debris.

If you have not had your roof or property inspected in the past 12 months, we recommend having a contractor or public adjuster confirm the structural integrity of your roof and home. The inspection will include photos and documentation of the current condition of your home. Should your home experience damage during a hurricane, the inspection documentation will be crucial evidence in getting your home back to its prior condition. We offer free home inspections — Give us a call today to schedule!

Update & Review Your Insurance Policy

We recommend having your insurance policy reviewed by a third party for a detailed review of coverage. Flooding is the leading cause of damage from hurricanes and many policyholders in hurricane prone areas are not required to have this coverage. In addition, your insurance policy may outline specific preparation steps that are required in order to ensure damages are covered. Our team of legal experts provide free policy reviews and will outline any gaps in your current coverage, and what steps must be taken prior to the storm hitting per your policy. If you’d like to have your policy reviewed — Contact us or send your policy to info@premier-claims.com.

Prepare before the storm Hurricane Preparation Checklist

Stock Your Supplies

Waiting until the hurricane is announced to stock your supplies could put you at risk of being unable to obtain the emergency supplies you need. According to Chuck Duncan, a Florida Ace Hardware employee in a local interview with CBS 4 News, says it is normal for residents to wait until the announcement before they head to the stores for supplies: “Usually within a few days after it comes out that it [the hurricane] is coming this way, they start coming in.”

During and after a hurricane, you may need supplies to keep your family safe and healthy. However, once a hurricane is announced, there is a mass surge of people going to stores and supplies are limited. We recommend gathering supplies early in the season in May or June prior to a potential hurricane hitting land. You can be prepared by including the following:

Emergency supply of food & water
Emergency first aid kit & medicine supply
Emergency power sources, such as flashlights, batteries, charges, etc.
Safety & personal items
Important documents, such as medical documents, passports, policy documents, etc.
Tools & equipment for safety, such as fire extinguisher, pocket knife, etc.

For a full list of items you may need, you can find a checklist here: Download Checklist

Hurricanes are costly and can cause damage hundreds of miles from the shore. Being prepared ahead of time can be critical for your safety and recovery after the hurricane. Continue to follow us this week for more information and resources to prepare for this upcoming hurricane season!

Additional Resources

Florida Disaster
CDC Preparing for a Hurricane
National Weather Service Hurricane Plan

Hurricane Post-Recovery