After a windstorm, many Florida homeowners rush to clean up the damage—but in the process, they often make mistakes that can jeopardize their insurance claim. Here are the five most common errors homeowners make after a storm and practical steps to protect your rights, preserve your coverage, and ensure your insurance company pays what it owes.
The first critical mistake is failing to report your claim promptly. Insurance companies can deny claims if they believe reporting was delayed, arguing that it prevented them from properly investigating the loss.
Second, is hiring the wrong people. Many homeowners hire mitigation companies, public adjusters, or contractors who are inexperienced, overpriced, or fail to follow proper procedures.
The third mistake is ignoring post-loss obligations outlined in your insurance policy. Homeowners must provide requested documentation, submit a sworn proof of loss if required, and cooperate with the insurance company’s investigation.
Mistake number four is failing to mitigate further damage. Leaks, broken pipes, or other hazards must be addressed immediately to prevent additional loss. Insurance companies will not cover damage that occurs due to neglecting reasonable mitigation steps.
Finally, mistake five is accepting the insurance company’s initial determination. Many homeowners assume a denial or low payout is final, but as we explain, legal review and advocacy can overturn thousands of underpaid or denied claims, often resulting in substantial recoveries.
At Kuhn Raslavich, P.A., we help Florida homeowners navigate post-storm claims, avoid common pitfalls, and fight for the compensation they deserve.
Watch this video for all the details, and if your claim has been denied, underpaid, or you’re unsure whether you received a full payout, call us at 813-422-7782 today. Watch the video now to learn how to protect your property, strengthen your claim, and ensure your insurance company honors your policy.