How to Properly Document Hurricane Milton Damage in Florida: Essential Steps for Homeowners 

James D. Payer | October 7, 2024 | Property Damage

Hurricanes are a part of life in Florida, and their impact can be devastating when they strike. As a homeowner, it is essential to be prepared to document any damage from a hurricane, such as Hurricane Milton. Keeping accurate records helps in the insurance claim process and provides crucial evidence if legal action becomes necessary. Here’s a step-by-step guide for Florida homeowners to properly document hurricane damage.

Ensure Safety First

Before you begin documenting damage, ensure the storm has passed and it is safe to be outside. Avoid dangers such as downed power lines, flooding, or unstable structures. Your safety and your family’s safety should always be the top priority. The National Weather Service provides updates and safety guidelines during weather events.

Conduct an Initial Inspection

Once it is safe, conduct a thorough walk-around of your property to identify visible damages. Pay close attention to your roof, windows, doors, and outdoor structures like sheds or gazebos. Also, inspect indoor areas, including ceilings, walls, and the basement, for signs of water damage. Make a list of all the damages you observe.

Take Photographs and Videos

Visual evidence is crucial for insurance claims and legal purposes. Use a camera or smartphone to take clear photos and videos of the damage. Capture wide shots to show each specific damage’s overall context and multiple angles. Remember to photograph hidden areas or less obvious damages, such as mold growth or damaged insulation.

Timestamp Your Documentation

Ensure that all photos and videos are timestamped to show when they were taken. This provides proof that the documentation occurred immediately after the hurricane, showing the direct impact of the event on your property. Most smartphones automatically timestamp photographs, but you can manually add timestamps using various apps or software.

Keep a Written Record

Along with visual evidence, maintain a written record detailing every observation. Include the date, time, and a detailed description of each damaged item or area. Note any associated costs, such as immediate repairs to prevent further damage. This comprehensive record will support and reinforce your photographic evidence, creating a complete documentation package for your claim.

Collect an Inventory of Damaged Items

Create an inventory list for any personal belongings damaged during the hurricane. Document items such as electronics, furniture, clothing, and kitchenware. Include their approximate value, purchase date, and available receipts or warranties. If items need to be discarded immediately due to health hazards (like moldy carpets), ensure that their condition is documented before disposal.

Preserve Damaged Materials

If feasible, keep samples of damaged materials, such as soaked drywall or roof shingles. These can serve as additional evidence for your insurance company or legal case. Hold onto these samples until your claim is settled or legal proceedings conclude, as they might be requested for examination.

Contact Your Insurance Company Promptly

Notify your insurance company as soon as possible. Many policies require timely reporting of damage. Please provide them with your prepared documentation package, including photographs, videos, written records, and inventories. Cooperate fully with their inquiries and provide any additional information they request to expedite the claims process.

Consult with Professionals

Consider hiring professionals to assess and repair your property if the damage is extensive. Contractors, structural engineers, or public adjusters have the expertise to estimate repair costs. They can provide detailed reports to support your claim. Also, consulting with a personal injury or property damage attorney can be beneficial, especially if you encounter difficulties with your insurance claim or decide to pursue legal action.

Maintain Communication Records

Keep records of all communications with your insurance company, contractors, and professional advisors. Save emails, record phone call details, and take notes during negotiations and meetings. This is vital if there are disputes or discrepancies in your claim process.

Be Wary of Fraud

Scams can be prevalent after a hurricane. Always verify the credentials of contractors and adjusters before hiring, and never pay large sums upfront. Check reviews and recommendations to ensure you’re dealing with trustworthy professionals.

Properly Document Hurricane Milton Damage 

Properly documenting hurricane damage, like from Hurricane Milton, is a critical step in safeguarding your rights as a homeowner. Through careful documentation and diligent follow-through, you can ensure that you are well-prepared to handle insurance claims or legal matters that may arise. 

If you need help with an insurance claim or need legal assistance, an experienced legal team can help you navigate the process. Stay safe and stay prepared. 

Contact Our Orlando Personal Injury Law Firm For Help Today

If you’ve been injured in an accident in Orlando, Florida, and need legal help, contact our experienced Personal Injury lawyers at Payer Law Personal Injury Lawyers to schedule a free consultation today.

We proudly serve Orange County and its surrounding areas: