When a hurricane hits, how you handle the first 72 hours shapes your whole claim. Here's the step-by-step.
1. Make it safe and stop further damage
Your policy requires you to prevent additional damage — tarp the roof, board broken windows. Keep the receipts; those temporary-repair costs are usually reimbursable.
2. Document everything first
Photograph and video all damage before cleanup or repairs, list damaged belongings, and keep your policy number handy.
3. File promptly
Report the claim to your carrier as soon as you safely can. Florida law sets deadlines for hurricane claims (generally you must file the initial claim within a year of the storm) — don't wait.
4. Know your hurricane deductible
Your hurricane deductible (often 2% of your dwelling limit) applies to storm damage, so smaller losses may fall under it.
5. Work with the adjuster — and dispute if needed
The carrier sends an adjuster; be present, share your documentation, and get the scope in writing. If you disagree, Florida's new claim-dispute process (HB 459) is your path.
6. Remember flood is separate
Wind and wind-driven rain are on your homeowners policy; storm-surge flooding is only covered by a flood policy.
Frequently asked questions
How long do I have to file a hurricane claim in Florida?
Generally you must file the initial claim within one year of the storm, but report it as soon as you safely can — sooner is always better.
Should I clean up before the adjuster arrives?
Document everything first, then make temporary repairs to prevent further damage (and keep receipts). Don't do permanent repairs until the claim is scoped.
Does my hurricane deductible apply to every storm?
Under Florida's calendar-year structure you generally pay it once per hurricane season, not for every named storm.
Know your coverage before the next storm
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