Hurricane Milton was Devastating
Your insurance should help you rebuild. But time to file a claim is running out.
The Impact of a Catastrophic Event
Hurricane Milton was no ordinary storm. It was an event of extraordinary force that left a profound mark on Florida. Understanding the magnitude of the devastation is the first step to understanding the urgency of insurance claims.
in estimated damages, affecting thousands of homes and businesses.
at landfall, with winds that caused massive structural damage.
lost in the United States, a tragic reminder of its destructive power.
A Pre-existing Insurance Crisis
The hurricane hit a property insurance market in Florida that was already on the brink of collapse. For homeowners, this means that getting fair compensation is harder than ever. Insurers often delay, undervalue, or deny legitimate claims.
Claims Closed Without Payment
After Hurricanes Helene and Milton, an alarming number of claims were closed without homeowners receiving any compensation. This chart illustrates the difficult reality many Floridians face.
Why is it so hard to claim?
Delay Tactics
Insurers may drag out the process, hoping that homeowners will give up or accept low offers.
Insufficient Offers
It is common to receive an initial offer that does not cover the full cost of necessary repairs.
Unjustified Denials
Claims can be denied based on technicalities or restrictive interpretations of the policy.
The Clock Is Ticking: Crucial Legal Deadlines
Florida law sets strict deadlines for filing insurance claims for hurricane damage. The October 9, 2025 date in the ads is not a marketing tactic—it's a legal imperative. Missing this deadline can mean losing your right to compensation.
October 9, 2024
Hurricane Milton makes landfall in Florida, causing widespread devastation.
October 9, 2025
DEADLINE to file your initial insurance claim for damages. Don't wait!
April 9, 2026
Deadline to file supplemental claims for hidden damages discovered later.
Your Action Guide: Steps to Protect Your Rights
Navigating the claims process can be overwhelming, but taking the right steps can make all the difference. Here is a practical guide to help you secure the compensation you deserve to rebuild your home and your life.
- Photograph and record everything: Take photos and videos of all damages before cleanup, both inside and outside your property.
- Save all receipts: Keep all receipts for temporary repairs (like roof tarps) and living expenses if you had to evacuate.
- Create an inventory: Make a detailed list of damaged personal belongings, including make, model, and estimated value.
- Read your policy carefully: Familiarize yourself with what is covered, coverage limits, and your deductibles.
- Differentiate wind vs. flood damage: Most homeowner policies cover wind damage, but not flood damage. Flood insurance is a separate policy.
- File your claim quickly: Do not wait until the deadline. Notify your insurance company as soon as possible to start the process.
If you encounter any of the following situations, it is wise to seek a legal consultation, which is often free:
- Your claim has been denied without a clear and justified explanation.
- The process is being unduly delayed with no communication from the insurer.
- The settlement offer is significantly lower than the actual cost of repairs.
- The insurer is pressuring you to accept an offer quickly without giving you time to evaluate it.
Contact the Miami Office
If your claim has been denied or undervalued, contact the attorneys at FGC Attorneys. They will help you understand your options and fight for the compensation you deserve to rebuild.
Our Address
3401 NW 82 Ave, Suite 360, Doral, FL 33122
General Inquiries
Please call (305) 704-2500
For Collections
Please call (305) 330-2808