Top 5 Most Common Property Damages from Hurricane Idalia and How to Claim Them

Top 5 Most Common Property Damages from Hurricane Idalia and How to Claim Them

Hurricane Idalia will long be remembered for its ferocious winds, torrential rains, and the wide trail of devastation it left in its wake.

Property owners were hit hard, and many are now navigating the intricate process of claiming insurance for their damaged properties.

In this guide, we’ll outline the top 5 most common property damages resulting from Hurricane Idalia and provide step-by-step advice on how to file a claim for each.

1. Roof Damage

Common Damages:

  • Shingles torn off by high winds.
  • Structural damage due to falling trees or debris.
  • Water leaks leading to interior water damage.

How to Claim:

  • Document the extent of the damage with clear photographs.
  • Obtain a professional assessment of repair costs.
  • Submit the photos, assessment, and any additional evidence (like meteorological data) to your insurance provider.

2. Flood Damage

Common Damages:

  • Water inundation causing damage to the building’s foundation.
  • Ruined electrical systems, appliances, and furniture.
  • Mold and mildew buildup.

How to Claim:

  • Take photographs of water levels and all affected areas.
  • List all damaged items with their estimated value.
  • Reach out to your insurance if you have flood coverage. (Note: Standard property insurance often doesn’t cover flooding. It may require separate flood insurance.)

3. Broken Windows and Structural Damages

Common Damages:

  • Shattered windows due to flying debris.
  • Cracks or holes in walls.
  • Damaged property exteriors.

How to Claim:

  • Document all structural damages with photographs.
  • Get a contractor’s estimate for repairs.
  • Submit these documents to your insurance along with any information about the circumstances (e.g., wind speed, direction, etc.)

4. Fallen Trees and Landscape Damages

Common Damages:

  • Trees uprooted or broken, damaging structures or blocking access.
  • Ruined gardens, fences, and other landscape features.

How to Claim:

  • Take photographs of the damaged landscape and any structures affected.
  • If tree removal is needed, get an estimate.
  • File a claim, providing a detailed description and evidence of the incident’s cause.

5. Damaged Personal Property

Common Damages:

  • Water-soaked electronics and appliances.
  • Ruined clothing, books, and other personal belongings.
  • Destroyed valuable items, such as artwork or antiques.

How to Claim:

  • List all damaged items, their value, and the replacement cost.
  • Photograph each item to show the extent of damage.
  • Provide purchase receipts if available. Otherwise, online listings of similar items can help establish value.

Navigating the aftermath of Hurricane Idalia can be daunting, especially when it comes to property damages.

With our extensive experience in roofing, construction, and a proven track record in handling previous hurricane damage claims, Capital Claims Group stands ready to guide you every step of the way.

Don’t face this challenging process alone. Contact Capital Claims today and let our expertise help you receive the correct settlement to make your property whole again.

Call us at +1 (954) 874-3563 – we answer the phone!