You have one year to file a claim for Hurricane Milton according to Florida Law.
Hurricane Milton slammed into Siesta Key – near Sarasota, Florida – on October 9, 2024. Milton was a dangerous category 3 hurricane at the time it made landfall.
“The destruction left behind in the wake of Milton is heartbreaking. My heart goes out to everyone affected by this storm. As a Central Florida native, my heart broke to see so much destruction in the place I grew up in.” Attorney John Tolley, Founder of JT Law Firm.
Florida’s West Coast has not experienced a break in years and just continues to get hammered by hurricanes.
If your property was affected, it’s crucial to act quickly to ensure you file your property damage claim on time. Florida law allows homeowners only one year to file a hurricane property damage claim, meaning the deadline for claims related to Hurricane Milton is one year from the date the storm makes landfall. Missing this deadline could result in losing the opportunity to receive compensation for damages.
What Happened During Hurricane Milton?
The full scope of the damage is still being assessed, but this was, by all accounts, an absolutely devastating storm the state will not soon forget.
Hurricane Milton was a Major Category 3 hurricane at the time of landfall, packing sustained winds of 120 mph and gusts near 150 mph.
The storm surge alone caused by Milton flooded large portions of Florida’s West Coast – going as far south as Naples.
It is clear that the hurricane inflicted significant harm to both coastal and inland areas from the West Coast of Florida well into the East Coast of the state. For many homeowners, the devastation caused by Hurricane Milton may not yet be fully realized. The impact of the storm, including structural damage, roof damage, and water intrusion, often becomes apparent after a more thorough inspection.
Here’s What You Can Do If Your Property Was Damaged by Hurricane Milton
If your home sustained damage from Hurricane Milton, it’s important to take immediate action.
- Document the Damage
As soon as it’s safe, go outside and take detailed photographs and videos of the damage to your property. This documentation is essential to prove the extent of your losses to the insurance company. Additionally, search for any pre-storm photos of your home to create a before-and-after comparison. - Mitigate Further Damage
Insurance policies typically require homeowners to take reasonable steps to prevent additional damage after the storm. This could include covering broken windows, securing tarps over roof damage, and boarding up exposed areas. Failing to mitigate further damage could hurt your claim or reduce the amount you receive. - Get a Professional Inspection – We can help with this step!
Not all damage is immediately visible. Wind uplift, for instance, can break the waterproof seals on your roof, allowing water to seep in over time. This type of damage often goes unnoticed until months later when water stains start appearing on ceilings or walls. A thorough inspection can ensure you catch all issues early and file a comprehensive claim.
Will my insurance policy cover roof damage from Hurricane Milton?
In most cases, Florida homeowner’s insurance policies cover a wide range of damages related to hurricanes, including:
- Roof damage
- Wind damage
- Broken windows and doors
- Wind-driven water damage
- Damage from flying debris
- Mold and water damage
- Damage to personal belongings (like furniture and electronics)
- Damage to exterior structures (pools, sheds, fences)
- Structural damage to walls and siding
Each policy is different, and some policies may have exclusions or limitations on certain types of damages. Our Hurricane Milton Property damage attorneys can thoroughly review your policy to check on your possible coverage.
It’s Important to File Your Claim Quickly.
Florida law gives homeowners just one year from the date of the hurricane to file a claim for property damage. This timeframe means that homeowners must act quickly to get their homes inspected and file claims properly. Waiting too long to discover and document damage could result in missing the deadline entirely. If you miss the deadline, you may forfeit your right to any compensation, leaving you responsible for all repair costs.
How Can JT Law Firm Help You With Your Hurricane Milton Damage Claim?
We know how to fight against insurance companies. In fact, it’s what we do every day. Our hurricane property damage lawyers know the tactics and strategies insurance companies use against homeowners, and we know how to formulate powerful arguments to advocate for our clients.
Navigating the claims process can be overwhelming, especially in the aftermath of a major storm like Hurricane Milton. JT Law Firm is highly experienced at helping homeowners with hurricane property damage claims. Our team aggressively fights for you with the goal of helping you receive the maximum compensation available for your property damage.
Our experienced property damage attorneys can assist you at any stage of the claims process, from filing the initial claim to disputing a lowball offer from your insurance company or even having your claim reopened in the event of an unjust claim denial.
Never settle if you can win.
Contact JT Law Firm Today for a free consultation – we don’t get paid unless you get paid.
If your home was damaged by Hurricane Milton, now is the time to act. Schedule a consultation so we can help get your claim process moving forward.
Call JT Law Firm today at 855-585-2997 or message us online to start your claim process.
Remember, the deadline to file your Hurricane Milton property damage claim is October 9, 2025. Let us help you secure the compensation you deserve before it’s too late.
