Hurricane Helene Cleanup: Legal Tips and How We Can Help

In the wake of Hurricane Helene, we at the Law Offices of Michael B. Brehne, P.A. hope that you and your loved ones are safe. While we're all focused on recovery, it's essential to know your rights and take the proper steps if your property has suffered damage. As experienced Atlamonte Spings attorneys in insurance disputes and property damage claims, we are here to support you in navigating the complexities of your claims.

What To Do If Your Property Is Damaged

After a hurricane, phone lines can be overwhelmed. The most efficient way to file a claim is often through your insurance provider's app. If you've experienced damage, follow these steps to protect your interests:

  • Document everything: Take detailed photos of the damage to your property.
  • Prevent further damage: Make any necessary temporary repairs to prevent more damage, but avoid major repairs until you speak to your insurer.
  • Save all receipts: Keep documentation of all expenses related to repairs and emergency services.

If your property was impacted by floodwaters, you'll need to file a separate claim with your flood insurance provider. If you're unsure about your coverage or encounter any issues, the Law Offices of Michael B. Brehne, P.A. can provide guidance.

How To File A Claim

After a storm, the insurance claim process can be overwhelming. To streamline the process, you can file your claim 24/7 through the following options:

  • Insurance App: Most insurance companies offer apps where you can quickly upload photos and submit claims.
  • Online: Log in to your insurance account to file a claim. You will need your policy number and zip code.
  • Agent Assistance: Contact your insurance agent directly for guidance on initiating your claim.
  • Phone: Call your insurance provider's claim hotline to speak with a representative.

    • Special Note on Flood Claims

    If you're dealing with flood damage, you'll need to file a separate claim with your flood insurance carrier:

    • For Frontline Flood Insurance: Call (888) 481-1158 to file a claim.
    • For other providers: Ensure you provide your flood policy information, claim number, and your adjuster's contact details to your Frontline adjuster to expedite the claim.

    The Law Offices of Michael B. Brehne, P.A specializes in handling complex flood insurance disputes. If you face difficulties getting coverage or settlement, we're ready to fight for what you're entitled to.

    Protect Yourself from Contractor and Insurance Scams

    Post-storm cleanup can make you a target for unscrupulous contractors and adjusters. Protect yourself by following these guidelines:

    • Consult your adjuster first: Always speak with your insurance adjuster before agreeing to any services like roof shrink-wrapping or major repairs. These might not be necessary or covered under your policy.
    • Be cautious with contractors: Avoid signing contracts without speaking to your adjuster first. Some contractors may guarantee that your insurance will cover all damages, which isn't always true.
    • Verify vendors: If someone claims to represent your insurance company without your knowledge, contact your insurer immediately. Legitimate vendors will not show up without prior communication.
    • Avoid fraud: Be wary of contractors or roofers who offer to "waive" your deductible. This practice is illegal in many states and can lead to insurance fraud charges.

      • How The Law Offices of Michael B. Brehne, P.A Can Assist

      If you're facing a challenging insurance claim process, or if you believe your insurer is unfairly denying or undervaluing your claim, the legal team at Brehne Law is here to help. We have extensive experience in property damage disputes, bad faith insurance claims, and guiding clients through the post-storm recovery process.

      Contact us today for a consultation on how we can assist with your Hurricane Helene-related claim. We're here to help you protect your rights and secure the compensation you deserve.