If you recently experienced property damage due to a hurricane or high winds, hail, water, a tornado, or a fire, you likely have questions about what your insurance company will cover, how to make a claim, and the steps you need to take next.

The property damage attorneys at Saka Bryant are dedicated to representing people who suffered property damage in Florida. We fight to ensure your insurance company honors its contract and pays what you are owed. 

Here, we answer some frequently asked questions about property damage claims in Florida. For answers to questions about your specific circumstances, we encourage you to contact us to schedule an appointment to discuss your situation and how we can help.

Can I choose my own contractor to repair storm damage?

In most cases, you can choose your own personnel to repair storm damage. However, we recommend requesting multiple quotes and ensuring any contractor you select is properly licensed and bonded.

What factors can affect the success of my storm damage claim?

Protecting your rights and understanding your insurance policy are key factors in ensuring a successful resolution to your storm damage claim. The property damage lawyers at Saka Bryant can evaluate your insurance policy, ensure you comply with all required terms and conditions, and help you document your claim to ensure you receive the compensation you are owed for your losses.


We can carefully evaluate the terms of your insurance policy, the insurance adjuster’s investigation, and your efforts to provide the adjuster with the information they need to properly evaluate the claim. We will work diligently to resolve your property damage claim as quickly and cost-effectively as possible. We will protect your rights and ensure you receive the compensation you are owed under your policy.

What immediate steps should I take if my property was damaged by a storm or flooding?

The hours, days, and weeks after a severe weather event can be frustrating. By acting quickly and methodically, you can protect yourself, expedite the recovery process, and help ensure you receive full compensation for your losses.

  1. Protect yourself. Do not return to the property until local authorities declare it is safe. When possible, turn off utilities like electric, gas, and water to prevent further risk of harm.
  2. Document the damage. Take photographs and videos of all damage, including interior, exterior, and personal belongings. Keep damaged property until the insurance adjuster has assessed it.
  3. Contact your insurance company. Report the damage to your insurance company and provide documentation of the damage. You should also confirm additional insurance coverages that may be available and applicable.
  4. Mitigate additional damage. When possible, make temporary repairs to minimize further damage. Save receipts of any materials or services you used, as these may become part of your insurance claim.
  5. Evaluate damages. Hire a professional to inspect your home and recommend necessary repairs.
  6. Monitor your claim. Stay in touch and keep records of communications with your insurance adjuster.Property damage

What information will the insurance company need to open my claim?

Before you contact the insurance company, be prepared with:

  • Your name
  • The location of the covered property
  • Your policy number (if you have it)
  • A description of the event
  • A description of the damage to your property
  • Contact information for any repair professionals you would like to use

What should I do if I disagree with the insurance company’s proposed settlement offer?

If you disagree with the insurance company’s proposed settlement offer, contact the experienced property damage attorneys at Saka Bryant. We will work to achieve an optimal resolution to your property damage claim as quickly and cost-effectively as possible.

What types of property damage claims are typically covered under an insurance policy?

Most insurance policies cover property damage caused by hurricanes and wind, hail, water, and tornado damage. Most insurance policies also cover property damage caused by fires. 

Unfortunately, disputes commonly arise over the value of the claim, whether the policyholder met all the conditions required to receive payment, and whether the event or damage you are seeking compensation for is covered under the policy of insurance. 

Saka Bryant can review your circumstances and your insurance policy and fight to ensure your insurance company honors its contract and pays you what you are owed. 

When should I hire a property damage lawyer?

When severe weather causes property damage, insurance companies are often inundated with claims. They may take a long time to respond, and their analysis and evaluation of your claim may not be as thorough as it should be. 

If you disagree with the insurance company’s decision on whether your loss is covered or the value of your claim, the property damage attorneys at Saka Bryant can help. We will carefully review the terms of your insurance policy and help you negotiate a fair resolution to your claim.

In some cases, we can successfully resolve your property damage claim out of court. But when litigation is necessary, we have the experience and expertise to take your property damage claim to court, and win.