Severe storms and hurricanes frequently impact Orlando and surrounding Orange County communities. Even when a storm makes landfall along the coast, Central Florida homeowners often experience roof damage, wind-driven rain, fallen debris, and interior water intrusion.
What you do in the first 24 to 72 hours after storm damage can directly affect your insurance claim outcome.
Step 1: Document All Visible Damage Immediately
Before beginning repairs, document everything.
Take photographs of:
- Roof damage and missing shingles
- Fallen branches or debris impact
- Water stains on ceilings or walls
- Damaged fencing or exterior siding
- Interior flooring or drywall damage
Storm damage in Orlando is not always obvious from the ground. If safe, capture multiple angles.
Thorough documentation strengthens your hurricane damage claim from the beginning.
Step 2: Prevent Further Damage
Florida policies require homeowners to take reasonable steps to prevent additional loss. Temporary tarping or mitigation is appropriate, but permanent repairs should wait until the insurance inspection is completed.
Keep all receipts for emergency services. These costs may be reimbursable under your policy.
Step 3: Understand Your Hurricane Deductible
Many Orlando homeowners are surprised to learn that hurricane deductibles differ from standard deductibles. Named storm deductibles are often percentage-based and can significantly impact out-of-pocket costs.
Review your policy carefully to understand:
- Whether the storm qualifies as a named event
- How your deductible is calculated
- What wind coverage limitations apply
Misunderstanding deductibles is a common source of confusion in Orlando hurricane claims.
Step 4: Be Present During the Insurance Inspection
The insurance company’s inspection is one of the most important steps in the process. During high-volume storm seasons, inspections may be brief.
Roof uplift, flashing separation, and minor water intrusion may not be fully identified without a detailed evaluation. Orlando homes often experience damage that is not immediately visible from the exterior.
Clear documentation during this stage can prevent future disputes.
Step 5: Review the Settlement Carefully
After the inspection, the insurer will issue an estimate. Many homeowners focus only on the total dollar amount without reviewing the line items.
Look for:
- Roof replacement scope accuracy
- Interior water damage allowances
- Code upgrade considerations
- Matching requirements
If you believe the settlement does not reflect the full scope of repairs, you may need help with a denied or underpaid insurance claim in Florida.
Common Issues in Orlando Storm Claims
In Central Florida, we often see:
- Partial roof approvals when full replacement may be necessary
- Interior water damage underestimated
- Code compliance costs excluded
- Delays due to claim volume
Hurricane and storm damage insurance claims in Orlando require organized documentation and clear communication.
If you need assistance navigating the process, our Orlando public adjuster services can help evaluate your situation and guide the claim from start to finish.
