Saavedra Goodwin
The 2019 Atlantic hurricane season begins June 1, and AccuWeather has just released its first forecast, predicting five to seven hurricanes, two to four major hurricanes, and a total of 12 to 14 storms. While it is still too early to predict when and where (and even if) these storms will arrive, it is a good idea for South Florida homeowners to start preparing now. Here are some hurricane preparedness and insurance claim tips from our Fort Lauderdale hurricane damage attorneys.
If it has been a while since you have had your home inspected, now is a good time to give your inspector a call. Not only will your inspector will be able to document the current condition of your home; but, if there are issues that could expose your home to additional damage in the event of a storm, you will want to be sure to address them before a storm comes.
Once you know what repairs need to be made, you can hire a licensed contractor to make them. Whether your gutters just need to be re-tightened or there are serious issues with your home’s foundation, any outstanding issues could make it more difficult to collect payment under your homeowner’s insurance or flood insurance policy.
Take plenty of photos and videos to document your home’s current condition and all of your personal property. It is a good idea to make a list of personal property items and any upgrades you have made to your home as well.
Do you know what steps you are going to take if your home is damaged in a hurricane? Do your children know what to do? Having a family disaster plan ensures that everyone is on the same page, and it can help you avoid feeling overwhelmed in the event of an emergency.
In addition to reviewing your family’s disaster plan, you should also review your homeowner’s and flood insurance policies. Make sure you know what is covered (and what isn’t), and make any adjustments to your coverage that may be necessary.
From friends and family members to a public adjuster and an attorney, make sure you know who you can call for help. Program their numbers into your phone so that you have them handy if you need them.
Finally, if your home is damaged in a hurricane, one of the first things you will need to do is file a claim with your homeowner’s insurance carrier, your flood insurance carrier, or both. You can download their claims apps if they have them, or program their numbers into your phone. It is a good idea to put your policy numbers in your phone as well.
Saavedra Goodwin is a law firm in Fort Lauderdale who represents local, national and international clients in a wide spectrum of legal cases including insurance claims and property damage.
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