Accurate documentation of property damage is essential in Florida, especially in the aftermath of powerful storms like Hurricane Helene on September 27, 2024, and Hurricane Milton on October 9, 2024. With these storms causing signifcant structural damage and widespread flooding, having comprehensive records can bethe difference between a smooth claims process and potential disputes.
Why Proper Documentation Matters 
Florida’s severe weather can result in extensive property damage. Insurance companies often require detailed evidence to process claims. Without adequate documentation, policyholders may encounter delays, reduced compensation, or denied claims.
Steps to Document Storm Damage Effectively
Safety First: Before inspecting any damage, ensure your property is safe to enter. Avoid areas with structural risks or standing water that could hide electrical hazards.
Photograph and Video Everything: Use your smartphone to capture high-resolution photos and videos. Include
both wide-angle shots of rooms or exteriors and close-ups of speci?c damage to walls, furniture, or appliances. Time-stamping images or adding geolocation data strengthens the credibility of your documentation.
Inventory Losses: Create a detailed list of damaged items, including brand names, model numbers, and estimated
values. This is especially helpful if your insurance policy covers the replacement value rather than the depreciated value of possessions.
Keep Receipts and Maintenance Records: Gather receipts for any emergency repairs, such as tarps or temporary lodging, as well as prior maintenance records to prove the pre-storm condition of your property.
Document Flooding Levels: If floodwaters reached your property, record the water depth using physical markers
(like walls or furniture) as reference. This can help determine whether damages are covered by your homeowners’ policy or a separate flood insurance policy.
Insurance Claims After Helene and Milton
Both Helene and Milton left a path of destruction—Helene’s damage was estimated between $225-250 billion, while Milton caused $160-180 billion in losses. Residents reported power outages, severe flooding, and even tornadoes triggered by Milton. Documenting storm-related issues such as water intrusion or structural damage promptly will help expedite insurance claims and ensure you meet any reporting deadlines set by your insurer.
How to Work with Your Insurance Company
Report damage immediately: Most insurance companies have strict timelines for filing claims after a disaster. Request a claims adjuster visit: Insurers typically send adjusters to assess damages. Ensure you accompany the adjuster to point out all areas of concern.
Seek professional assessments if needed: For complex issues, such as foundation damage, it may be beneficial to get an independent contractor’s opinion.
Additional Resources
The impacts of storms like Helene and Milton show the importance of staying prepared year-round. Review your insurance policy to ensure it covers both wind and flood damage, especially if you live in a high-risk zone. For residents needing further assistance with insurance claims or disputes, resources from FEMA and state insurance agencies are available to help manage the process efficiently.
Being proactive and organized in documenting property damage ensures you are better equipped to recover financially after storms, helping to secure the compensation you deserve.
*This blog is an opinion piece only and does not constitute legal advice. If you need legal advice, contact us today for a free case evaluation.