Living in Florida means enjoying sunshine, palm trees, and beautiful coastal views—but it also means preparing for hurricane season every year. While stocking up on supplies and installing hurricane shutters are common forms of preparation, one of the most critical and often overlooked aspects of storm readiness is understanding your homeowners insurance policy. When disaster strikes, the last thing you want to discover is that you’re underinsured—or worse, completely unprotected.
Your First Line of Defense: Knowledge of Your Insurance Policy
Many Florida homeowners assume that their insurance policy covers “storm damage” as a blanket term. In reality, policies are full of exclusions, clauses, and fine print that can greatly limit coverage. For instance, water damage from flooding is typically not included in standard homeowners insurance and must be purchased separately through a flood insurance policy. Similarly, if your roof hasn’t been properly maintained or replaced within the recommended timeline, insurers may deny your claim citing neglect or pre-existing damage.
To avoid costly surprises, you should take time—preferably before hurricane season—to carefully review your insurance documents. Look for coverage limits, deductibles, and any language related to exclusions for wind, rain, or flood damage. If you’ve recently made upgrades to your home, such as a room addition or remodeling project, make sure your coverage reflects the new value of your property.
Be Wary of “Helpful” Strangers After a Storm
In the aftermath of a major storm, your focus will be on ensuring your family is safe and beginning the process of cleanup. Unfortunately, this is also when many opportunists prey on distressed homeowners. It’s not uncommon for contractors, adjusters, or restoration companies to go door-to-door offering free damage assessments or quick fixes.
While some may be legitimate, others may not be licensed or insured—or worse, may be running scams. Unscrupulous individuals may pressure you into signing assignment of benefits (AOB) agreements, which legally transfer your insurance claim rights to them. This means they control the claim, the communication with your insurer, and any payout decisions. Homeowners who sign AOBs without understanding them often end up in disputes with both their contractor and insurance company, sometimes even facing lawsuits.
Before signing anything, do your research. Check credentials, verify licenses through Florida’s Department of Business and Professional Regulation, and ask for references. If something seems too good to be true—like promises of a full roof replacement at no out-of-pocket cost—it probably is.
Document Everything Before and After the Storm
One of the best ways to protect yourself is through documentation. Take detailed photos and videos of your home’s condition before hurricane season begins. This includes the roof, windows, doors, flooring, and major appliances. In the unfortunate event that you need to file a claim, having clear, timestamped records can serve as strong evidence of the pre-damage condition of your property.
After the storm, repeat the process. Take photos of all damage—no matter how minor—and avoid throwing away damaged items until they’ve been reviewed by your insurance adjuster. This will support your claim and help ensure you receive full compensation for repairs or replacements.
When to Involve a Property Insurance Attorney
Even when you do everything right, insurance companies may still attempt to reduce, delay, or deny your claim. This is especially common when policies contain vague language or when insurers believe the damage was pre-existing or caused by an uncovered peril.
In these cases, legal help becomes crucial. An experienced property insurance attorney can interpret your policy, dispute the insurance company’s findings, and advocate on your behalf to ensure you receive the compensation you’re entitled to. Legal professionals are also essential in navigating complex issues such as underpayment, claim delays, or wrongful denials.
At The Mineo Salcedo Law Firm, our team of attorneys has handled thousands of property insurance claims throughout Florida. Many of our lawyers previously represented insurance companies, giving us unique insight into the tactics they use to minimize payouts. We use that knowledge to fight for homeowners—just like you.
Whether you’re preparing your home for hurricane season, have questions about your coverage, or need help disputing a denied claim, we’re here to help. We offer complimentary claim reviews and will even inspect your home at no cost to ensure you’re protected before and after a disaster.
Final Thoughts
In Florida, it’s not a matter of if a storm will come, but when. Understanding your insurance policy now can save you immense stress, financial loss, and legal battles down the line. Don’t wait until your roof is damaged or your home flooded to start asking questions about your coverage.
And remember—after a storm, don’t let desperation make you vulnerable. Only work with licensed, reputable professionals and never sign any contracts without fully understanding the implications.
If you need help navigating your insurance policy or believe your claim was mishandled, contact The Mineo Salcedo Law Firm today at (954) 463-8100 or visit PropertyClaimLaw.com. Our experienced attorneys are ready to stand by your side and protect what matters most—your home.
