Introduction

Hurricanes bring more than just heavy winds—they often result in extensive water damage that can leave homeowners overwhelmed. Whether it’s flooding, roof leaks, or mold creeping in after the storm, knowing how to handle your insurance claim is key to restoring your home and peace of mind. If you’re asking, “Where do I start with my insurance claim after hurricane water damage?” — you’re in the right place.

Step 1: Prioritize Safety First

Before diving into your claim, ensure your home is safe. Look for structural hazards, exposed electrical wiring, or contamination from floodwaters. If necessary, evacuate and wait for professional clearance before reentering.

Step 2: Document the Damage Immediately

This step is critical. The more evidence you gather, the stronger your claim will be.
✅ Take photos and videos of all affected areas – inside and out
✅ Include damaged furniture, flooring, drywall, appliances, and personal property
✅ Make a list of all damaged items with estimated values

Step 3: Prevent Further Damage

Most insurance policies require policyholders to mitigate further loss.

• Cover roof leaks with tarps
• Remove wet carpeting or furniture if safe to do so
• Use fans or dehumidifiers to dry the area

Pro Tip: Save all receipts for any temporary repairs or purchases related to damage prevention.

Step 4: Review Your Homeowners Insurance Policy

Check your policy for:

• Hurricane coverage vs. flood insurance (these are often separate)
• Deductibles (many policies have a higher hurricane deductible)
• Covered perils – some policies exclude specific types of water damage

If the terms are confusing, don’t hesitate to reach out to a public adjuster.

Step 5: File Your Insurance Claim Promptly

Contact your insurance company as soon as possible to begin the claims process. Be ready to provide:

• Your policy number
• A description of the damage
• The date the damage occurred
• Any emergency steps you’ve taken

Keep a detailed record of all communications with your insurance company.

Step 6: Consult a Public Adjuster for Help

Insurance claims can be complex—especially after a hurricane when insurers are overwhelmed. A licensed public adjuster like 123 Adjusting works for you, not the insurance company.
We:
✅ Evaluate your policy coverage
✅ Prepare and submit your claim
✅ Handle communication and negotiations
✅ Maximize your settlement

We know what insurance companies look for and how to ensure nothing gets overlooked.

Final Thoughts

Don’t face the aftermath of a hurricane alone. If you’re dealing with water damage and aren’t sure where to start with your claim, let 123 Adjusting guide you every step of the way. We specialize in storm, flood, mold, and roof damage claims—and we work for YOU.

Call us today at 1-877-463-7429
Visit www.123adjusting.com
Serving homeowners across Florida