Hurricane Helene has left a significant impact on many homeowners across Florida and the Tampa Bay area. Residents across the region, including Davis Island in Tampa, Shore Acres in St. Petersburg, St. Pete Beach, Clearwater Beach, Tarpon Springs and other areas along the beaches, are dealing with the aftermath of the storm, They’ve lost their homes, cars and all of their belongings.
As those impacted continue to file and manage insurance claims, there are important steps to take to protect rights and ensure the best possible outcome. That’s why our homeowners insurance attorney Blair Hysenlika, ESQ shares helpful tips to help guide them through the process.
Prioritize Safety First
The safety of you and your family is the most important consideration. Before returning to your home, check with local authorities to ensure it is safe to enter. Be aware of potential hazards such as downed power lines, structural damage, or contaminated water. If your home has suffered severe damage, consider having it inspected by a licensed professional before re-entering.
Document the Damage Thoroughly
After ensuring the area is safe, document all damage to your property. Take clear, detailed photographs or videos of the affected areas, including damage to the exterior, interior, and any personal belongings. Be sure to capture multiple angles, and if possible, create a written inventory of everything damaged or destroyed. This documentation will be crucial when you file an insurance claim.
Secure Your Property
To prevent further damage, take steps to temporarily secure your property. This may include boarding up broken windows, covering a damaged roof, or turning off utilities to prevent gas leaks or electrical hazards. Insurance policies often require homeowners to take reasonable steps to mitigate further loss, so acting quickly can help ensure your claim is honored.
Review Your Homeowner’s Insurance Policy
Review your homeowner’s insurance policy to understand what is covered and what may require additional claims. Many policies cover wind and water damage, but you may need to file separate claims for flood-related issues if you have flood insurance. If you’re unsure of what your policy covers, reach out to your insurance agent to get the details.
File Your Insurance Claim Promptly
The sooner you contact your insurance company to report damage, the sooner they can begin processing your claim. Provide all necessary details, including the photographs and documentation you gathered. Keep records of all communications with the insurance company, noting dates, names, and what was discussed. This can be important if there are disputes later.
Keep Track of All Expenses
If your home is uninhabitable, you may need to stay elsewhere while repairs are made. Keep all receipts for lodging, food, and other essential expenses, as these may be covered by your insurance policy. Additionally, document all repair expenses, including materials or contractor fees, as you may be able to receive reimbursement for these costs.
Beware of Unlicensed Contractors and Scams
Unfortunately, after a natural disaster, unlicensed contractors and scammers may approach homeowners offering quick repairs at steep costs. Always check credentials, get estimates in writing, and avoid paying large sums upfront. Working with trusted professionals will protect you from fraud and help ensure quality repairs.
Consult a Property Lawyer for Assistance
If you encounter difficulties with your insurance company or are unsure about your legal rights during the rebuilding process, it may be beneficial to consult a property insurance lawyer. A lawyer experienced in property claims can help you navigate disputes, understand your coverage, and advocate on your behalf to get the compensation you deserve.
Apply for Assistance If Needed
In the event of a declared disaster, federal or state assistance may be available for homeowners affected by Hurricane Helene. Check with FEMA or local disaster relief organizations to see if you qualify for financial aid or temporary housing assistance. These resources can help alleviate some of the burden while your home is being restored.
Plan for Future Resilience
Finally, as you begin to recover, consider taking steps to make your home more resilient to future natural disasters. Upgrading windows to withstand high winds, adding flood barriers, and reviewing your insurance coverage can help protect you and your property from future events.
Hurricane Helene has presented a challenging situation for many people in the Tampa Bay area, including Davis Island in Tampa, Shore Acres in St. Petersburg, St. Pete Beach, Clearwater Beach, Tarpon Springs and other areas along the beaches, but by taking these steps, you can begin to navigate the recovery process effectively. Remember that you’re not alone—insurance professionals, local authorities, and property lawyers are all available to help you restore your home and peace of mind.
If you need help, our own property insurance attorney Blair Hysenlika, ESQ encourages all homeowners to take these steps seriously. If you have any questions or need assistance, don’t hesitate to call us anytime at (813) 803-0733.
Contact our attorney and schedule a free consultation. For more information, visit HysenlikaLawFirm.com.
