What to Do After Hurricane Damage in Florida

After a hurricane, safety comes first. Before assessing damage, make sure your household is safe, follow local emergency guidance, and avoid downed power lines, standing water near electrical systems, and structurally compromised areas.

Once it is safe, document the damage thoroughly. Take clear, well-lit photographs and video of all visible damage to your property, including the roof, exterior, interior, and any affected contents. Wide shots and close-ups both help establish the full scope of the loss.

Take reasonable steps to mitigate further damage where it is safe to do so — for example, placing a tarp over an exposed roof opening. Keep receipts and records of any emergency repairs or temporary measures, as they may be relevant to your claim.

Contact your insurance company to report the loss as soon as practicable. Note your claim number and the contact information for your assigned adjuster or claims representative.

When a claims inspection is scheduled, prepare by organizing your documentation, making the property accessible, and listing any questions. An accurate, well-documented record of the damage supports a smoother claims process.

This article is educational and does not guarantee any claim outcome. Your specific circumstances, policy terms, and applicable law control what is covered.