Hurricanes pose a consistent threat to the coast of Florida and its cities, including Daytona. The ramifications after such natural disasters bring huge challenges for residents, especially in terms of housing. In structural damages to the forms of disagreements with their insurance companies, the post-hurricane housing crisis may be hard to handle.
If you are having a housing issue in Daytona, Florida, after a hurricane, then you are not alone, the Consumer Help Group skilled hurricane insurance lawyers in Daytona are here to assist you. The blog will take you through common problems, offer solutions, and inform you of helpful resources to rebuild your life and house.
1. Structural Damage to Homes
When hurricane-force winds and flooding strike, buildings can be severely harmed, as roofs get torn off, windows smashed in, and foundations ruined. This means that many homes become unsafe or uninhabitable for people in Daytona.
If your home has been badly damaged, first document everything. Take clear photos and videos of all the affected areas before cleanup. All of these will be useful in making an insurance claim.
You can also appeal for financial assistance for the repair or replacement of damaged property to FEMA’s Individual Assistance Program.
2. Insurance Claim Denials
One of the most maddening issues when it comes to having to deal with a hurricane is insurance denial or delay. The insurance companies would come back and say that certain damages are not covered under your policy or under-value the cost of repairing damages.
If you have issues with your insurance company, then you may want to seek professional assistance from a seasoned hurricane insurance claim attorney. Such an attorney can negotiate to get a fair deal on your policy and ensure that you are adequately compensated. Read more about Florida’s Office of Insurance Regulation.
3. Increasing Rents
For those whose homes are uninhabitable, one can face the dilemma of having to find temporary places of residence. Very often after a hurricane, rental prices in Daytona dramatically increase due to demand, and for families, it becomes very challenging to find affordable temporary quarters.
Programs such as the 211 Housing Assistance Hotline can connect you with local organizations that can provide emergency housing, rental assistance, and shelter options.
4. Mold and Water Damage
Even seemingly undamaged houses after the hurricane may contain unknown issues, such as mold and water damage. Moisture for longer periods is highly dangerous for infants and those with respiratory issues.
Act quickly. Call a licensed mold remediation company to evaluate and remediate your home. You can locate a certified professional on the website of the Florida Department of Health.
5. Litigation Over Repairs
Unfortunately, after the hurricanes, one finds lots of contractor scams and quarrels over bad quality work. Some unscrupulous contractors inflate prices, do shoddy work, or take the money and run.
To protect yourself, always cross-check the contractor’s license and credentials before you sign any agreement. You can check on licensed contractors by going to the Florida Department of Business and Professional Regulation.
How to Rebuild and Recover
Living through a hurricane often raises concerns for people regarding their housing, but there are positive actions that can be taken to get back on track:
- Developing Recovery Plan: Prioritize quick repairs and make a timeline for long-term restoration.
- Seek An Attorney: Don’t hesitate to reach out to local and federal agencies for financial and legal support from hurricane insurance attorneys.
- Stay Updated: Know the latest updates and available resources on FloridaDisaster.org.
Conclusion
It will take a long time to restore your home and life after a hurricane in Daytona, Florida. Proactive steps and use of available resources may help you overcome the hurdles and get back on track.
To seek additional assistance or for further information regarding hurricane claims insurance, contact the Consumer Help Group. We will assist you each step of the way with our seasoned team.
