30 Days After Hurricane Milton

30 Days After Hurricane Milton

What Your Insurance Carrier Should Be Doing—What You Can Do

It’s been a month since Hurricane Milton swept through our lives, leaving damage, heartbreak, and countless homes and businesses struggling to rebuild. In the aftermath, you might have filed a Hurricane Milton claim expecting prompt support. But here we are—30 days in—and you might still be waiting. So, what exactly should your insurance carrier be doing right now? And what steps can you, as a policyholder, take to keep your recovery on track?

1. Your Insurance Carrier’s Obligations Under Florida Law

Florida law sets clear expectations for how insurance carriers are supposed to handle hurricane-related claims. They outline specific timeframes for communication, inspections, and claim decisions. For a complete overview of “Insurer’s duty to acknowledge communication regarding claims; investigation,” refer to Florida Statute 627.70131; some of these timelines include:

The Florida Department of Financial Services and The Florida Senate have provided a detailed list of a policyholder’s rights during the claim process post-hurricane. It’s important that you not only know your rights as a policyholder but that your insurance carrier does its best to abide by their obligation. 

2. Proactive Steps You Can Take to Strengthen Your Claim

If your insurance carrier is behind on these obligations, it’s time to take control of your claim. Here are essential actions you can take:

3. Add a Public Adjuster to Your Team

After a hurricane, the claims process can feel overwhelming, especially with the pressure to document everything and communicate with your insurance carrier. That’s where a public adjuster comes in—right from the start. Many policyholders think they only need us when delays or denials happen, but involving a public adjuster like Premier Claims early in the process can make a world of difference. Here’s why:

At Premier Claims, we’re committed to being your partner throughout the claims process. Let us take the stress out of your claim so you can focus on rebuilding with confidence, knowing we’re working to secure every dollar you’re owed.

4. Time to Take Action: Keeping Your Claim on Track

If your Hurricane Milton claim is delayed, it’s time to take action!

5. Your Recovery, Our Priority

You’ve been through enough already. At Premier Claims, we believe in empowering you, the policyholder, with the support and information you need to navigate the claims process confidently. 

In this recovery journey, you don’t have to go it alone. Whether you’re facing delays, low settlement offers, or unclear timelines, Premier Claims has the experience and the drive to fight for you to be treated fairly so you can receive an adequate payout.

Navigating Fire Damage: What to Do After Fire Damage?

What to Do After Fire Damage?

Fire Damage can be devastating, and we are committed to providing expert guidance and support, ensuring you have the knowledge and resources to navigate through the challenges of fire damage and restore your peace of mind.

Explore our curated series covering every facet of fire damage. Our expert Fire Checklist ensures your preparedness!

After fire damage checklist

 

To learn more about navigating fire damage, check out the following articles:

Navigating Fire Damage: Proactive Protection

Navigating Fire Damage: After the Damage Occurs

Navigating Fire Damage: Recovering Contents