Insurance Claims Hub: North Florida Storms May 2024

On May 10, 2024, severe storms, wind, and tornadoes impacted the Florida panhandle, leading to a state of emergency declaration. The severe weather included dual tornadoes that tore through Tallahassee. A federal Major Disaster Declaration was later approved on June 18, 2024 to support recovery efforts. This resource hub aims to guide affected property owners through the insurance claim process and provide essential information.

Is my insurance going to cover this event?

For insurance purposes, this event is typically classified as a wind and storm damage event. Most standard homeowners and property insurance policies in Florida cover damage from windstorms, including tornadoes.

However, there are a few things to note:

• Flooding: While widespread flooding was not reported, if your property experience flooding, losses would only be covered if you have flood insurance as this is not typically included in homeowners insurance. Note that if you had water damage as a result of wind or wind-driven rain, this is typically covered by insurance.
• Deductibles: Florida policies often have separate, higher deductibles fro hurricane damage. However, this storm event was not classified as a hurricane and your standard deductible should apply.
• Tree damage and fallen trees: Policies usually cover damage to your home caused by falling trees, but may have limitations on removing fallen trees that didn’t damage structures.
• Additional living expenses: If your home is uninhabitable due to the damage, your policy may cover temporary living expenses, but often with limits. Note that FEMA has approved individual assistance for those impacted in Leon county.

Emergency repairs

Even before your claim is paid by the insurance company, if your home or business requires immediate repairs you may do so but keep the following things in mind:

• Document the damage: Take photos and videos before making any repairs, or disposing of any belongings damaged by the storm. For things such as electronics and appliances, take pictures of the serial numbers.
• Make only necessary repairs: Focus on repairs that prevent further damage, such as covering broken windows or patching a leaking roof.
• Keep all receipts: Save receipts for materials and labor.

If possible, wait for your insurance adjuster to assess the damage before making any permanent fixes. But do not delay emergency repairs, as your insurance policy likely requires you to take reasonable steps to protect your property from additional damage, such as covering a leaky roof.

Starting your insurance claim and speeding up payment

If you have not already, contact your insurance company to start the claim process. Document damage and create an inventory of damaged or destroyed items. Gather any information that can help substantiate your claim, such as serial and models numbers of appliance and electronics. If you have photos of your damaged property from before the storm, that can also be helpful.

Preparing and sending a Proof of Loss can also speed up the claims process.

Resources

• DisasterAssistance.gov. If you are in Leon county you may be eligible for individual assistance, including housing assistance. The deadline to apply is August 19, 2024.
• The Florida Division of Emergency Management has a hub of assistance and resources available to those impacted by the May 2024 storms.
• SBA Disaster Loans. The SBA offers disaster loans to businesses, homeowners, renters, and non-profits. A wide variety of programs are available to help with recovery.

Counties Affected and County Resources