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Hurricane Michael Home damage claim – practical guide

Insurance Public Adjuster Palm Beach

Hurricane Michael made landfall as a high-end Category 4 storm on the Florida Panhandle on Wednesday, October 10th 2018, smashing buildings along the coast and flooding beach houses.

The following areas have been affected by the storm:

  • Apalachicola, FL
  • Mexico Beach, FL
  • Panama City, FL
  • Marianna, FL
  • Tallahassee, FL
  • Port St. Joe. FL
  • Wakulla County, FL
  • Bay County, FL
  • Okaloosa Island , FL
  • Pasco County, FL

In case your house was damaged by Hurricane Michael – Here are a few tips to keep from sustaining any more damage:

  1. If you have sustained roof damage, please ensure that it has been covered by a secure tarp to avoid further leaking or damage.
  2. If there are any windows that were broken by the storm and have yet to be replaced, place a board or sturdy plastic on it.
  3. If there is any extra debris or garbage from the damage that is laying around, check with your adjuster before throwing anything out
  4. If you are having guests over the holidays make sure that they know, to be careful around the damaged areas as to avoid injury to them as well.
  5. Due to the frequency of rain, try to prevent any flooding by putting down any sandbags in the area where water could possibly still leak in.
  6. If you experienced any fallen trees or branches, make sure the excess debris has been removed and any possible weak branches should be trimmed.
  7. If there is an open area with visible mold try to keep your friends and family away from that area, if possible
  8. Consult with your public adjuster before you make any repairs, due to the chance that the insurance company might want to conduct a reinspection.
  9. If you have already hired Property Damage Consultants to handle your claim, you are already on the right track. 🙂

In the event, that the damage does get worse, take pictures and notify your public adjuster as soon as possible.

Worried that the Hurricane may reach and harm your house?

Here are a few tips to prepare you and your family for the upcoming hurricane – in case it reaches

  1. Make sure you have secure window covers or storm shutters
  2. To reduce roof damage, you can use hurricane straps or clips to secure the roof to the frame of your home.
  3. Check and reinforce caulking around doors and windows. In some instances, wind-driven rain can cause some moisture damage even if there is no structural damage.
  4. Trim down and trees or shrubs to avoid the chance of them breaking and falling onto your home or flying around and causing damage.
  5. You can call us to review your insurance policy to make sure you have an adequate amount of insurance and the proper coverage.
  6. Keep in mind the home owner’s insurance does not cover floods so if you are in a flood zone you may want to get in touch with your agent to find out your options.
  7. Document your important contents in the case that there is any damage. You can document via photos or video.
  8. Lastly, have a Property Adjuster like Property Damage Consultant’s number on hand in the case that you do have an emergency. Having PDC’s contact information will ensure that in the case of emergency our trained public adjusters will be there to assist you.

Hurricane Michael leaves more than 1 million without power – abc News, Oct 13 2018

With 29 years of Adjusting experience, Craig Drillich established Property Damage Consultants in 2002. After working on behalf of the insurance companies for twelve years and tired of seeing the injustice being done to the property owners, Craig Drillich, President of the Board of Directors of the Florida Association of Public Insurance Adjusters (FAPIA), became a consumer advocate as an all lines licensed Public Adjuster and Appraiser.

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