Florida homeowners are no strangers to hurricanes. Every year, residents brace for high winds, torrential rains, and the threat of catastrophic property damage. While having insurance is critical, many policyholders don’t realize just how complex the claims process can be—until it’s too late.
At The Ferriol Law Firm, we’ve helped countless Miami homeowners navigate hurricane-related insurance claims. Whether you’re preparing for storm season or dealing with damage after the fact, this guide breaks down everything you need to know to protect your home, your finances, and your rights.
Hurricane Insurance Basics: What’s Actually Covered?
One of the biggest misconceptions is that “homeowners insurance covers hurricanes.” The reality is more complicated. Most Florida homeowners policies split hurricane-related coverage into separate components:
- Windstorm Coverage – Usually included in standard homeowners policies. Covers damage from wind, flying debris, and structural collapse.
- Flood Insurance – Not included in standard policies. Must be purchased separately (often through the National Flood Insurance Program).
- Additional Living Expenses (ALE) – Pays for temporary housing if your home becomes uninhabitable due to covered damage.
Tip: Read your policy closely. Many homeowners assume they’re covered for flood damage—until it’s too late.
Before the Storm: What to Do to Protect Your Claim
Preparation is your best defense. Do the following before a hurricane hits:
- Review Your Policy – Know your limits, deductibles, and exclusions.
- Document Everything – Take photos/videos of the home and valuables.
- Save Receipts – For upgrades or renovations that affect value.
- Create a Disaster Folder – Include your policy, contact info, emergency numbers.
- Secure Your Property – Trim trees, clean gutters, install shutters.
Pro Tip: Store digital copies of everything in the cloud or email to yourself.
After the Storm: Immediate Steps to Take
Once safe, here’s what to do:
- Document Damage – Take detailed photos and videos.
- Prevent Further Loss – Tarp roofs, board windows, shut off utilities.
- File Your Claim Immediately – Florida law requires prompt reporting.
- Request the Adjuster’s Report – Don’t assume they’ll catch everything.
Understanding the Hurricane Deductible
In Florida, hurricane damage triggers a separate deductible—typically 2–5% of your home’s insured value.
Example:
If your home is insured for $400,000 and your deductible is 5%, you must pay the first $20,000 of damage before coverage kicks in.
Why Hurricane Claims Get Denied or Underpaid
Common insurer tactics:
- Claiming damage was due to “wear and tear”
- Denying claims for late reporting
- Citing insufficient proof
- Excluding mold, flood, or upgrade costs
The Ferriol Law Firm fights back with expert reports and legal leverage.
How a Lawyer Can Help
Don’t wait for a denial to get help. We:
- Review policies to identify gaps or leverage points
- Coordinate independent inspections
- Push for timely, fair payouts
- Handle reopened or supplemental claims
Real Client Wins
- South Miami Roof Collapse
Offered: $15K → Settled: $88K - Flooded Garage
Denied → Recovered: $52K - Delayed Living Expense Reimbursement
Forced insurer to pay full reimbursement + interest
Claim Deadlines in Florida
As of 2023:
- Initial claim: Must be filed within 1 year of damage
- Supplemental claim: Within 18 months of the storm
Miss a deadline = lose your right to recover.
Frequently Asked Questions
Q: What if my payout is too low?
A: File a supplemental claim—we can help.
Q: Can I use a public adjuster?
A: Yes, but they can’t negotiate legally like an attorney.
Q: What’s bad faith by insurers?
A: Denying or delaying valid claims without reason—you can sue.
Q: Do I need flood insurance too?
A: Yes. Most policies don’t cover it.
Prepare for the Insurance Inspection
Your adjuster’s inspection heavily influences your payout. Be ready.
Tips:
- Be present during the inspection
- Point out all damage—especially hidden or minor ones
- Bring your documentation and estimates
- Take your own photos and notes
Reopening Old Claims
Didn’t get enough the first time? You can often reopen within 18 months.
Valid reasons include:
- New damage discovered
- Adjuster missed or miscalculated
- Claim was unfairly denied
We review files for free.
Florida Homeowner Rights You Should Know
Florida law protects you. Know your rights:
- Prompt Pay Rule (F.S. 627.70131) – Insurers must acknowledge claims in 14 days, begin investigating in 10, and pay undisputed claims in 60.
- Bad Faith Law (F.S. 624.155) – You can sue insurers for unfair practices.
- Right to Appraisal – If there’s a dispute over cost, both sides choose appraisers, and a neutral umpire resolves it.
Preventing Denials
How to improve your odds:
- Maintain Your Property – Clean gutters, fix leaks, keep records
- Document Repairs – Save photos and invoices
- Don’t Delay – Report damage immediately
- Understand Exclusions – Add endorsements if needed
What Makes The Ferriol Law Firm Different
- Decades of experience in South Florida hurricane law
- Millions recovered for local homeowners
- 24/7 availability during and after storms
- Contingency model — you don’t pay unless we win
Client Snapshot: Hurricane Ian
2022: Miami homeowner denied full payment for major roof damage.
Offered: $22K → Settled: $112K after we proved hidden damage and mold intrusion.
Be Ready Before and After the Storm
Hurricanes are a part of life in Florida. But insurance problems don’t have to be. By preparing early, acting fast, and getting professional help, you can protect your home and your financial future.
Let The Ferriol Law Firm be your legal ally.
Call now or visit theferriollawfirm.com to book your free consultation.
The Ferriol Law Firm
Miami’s trusted legal team for hurricane property damage claims.
We fight for you—day or night, 24/7.