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Hurricane Damage Claims Archives

Hurricane Michael's devastation continues a year later

Hurricane victims in northern Florida are raising the alarm that they continue to face severely difficult conditions one year after Hurricane Michael hit land. The Category 5 storm devastated rural communities and small towns throughout the Florida Panhandle as well as hitting some larger cities, such as Panama City and Port St. Joe. Even though the hurricane hit land in October 2018, residents continue to live in hotel rooms, trailers and tents as of fall 2019. Many buildings have not yet been repaired, and fallen trees continue to dominate the landscape in some places. Thousands of people have left the heavily impacted communities, especially due to the economic damage caused by the storm.

City sewer system damaged by Hurricane Michael

One Florida city is continuing to face massive bills to repair its water and sewer system damaged by Hurricane Michael. Panama City, the largest city hit hard by the Category 5 storm, has suffered ongoing sewage leaks. According to local reports, over 65,000 gallons of raw sewage ran through streets and ditches through the town and into area streams and waterways. The city manager said that there would be costs of $200 million to $300 million to revamp the water and sewer systems to prevent future spills. While officials said that the problems' origin predated Hurricane Michael, the storm damage caused even more serious devastation.

Thousands of Hurricane Michael insurance claims are still open

More than 18,000 insurance claims filed over property damage caused by Hurricane Michael last October have yet to be settled, according to Florida Insurance Commissioner David Altmaier. The information was disclosed during a Senate Banking and Insurance Committee panel on Sept. 17.

Many homeowners lack flood insurance

Many Florida homeowners have dropped their flood insurance policies, despite continuing to face serious risks from hurricanes and other storms that could lead to significant floods. Tens of thousands of people could be at risk of financial devastation in case a hurricane or storm causes flooding. Traditional homeowners' insurance policies do not usually cover damage caused by flooding. During Hurricane Dorian, 59 different counties were subject to evacuation order. While homeowners in these counties held 734,445 flood insurance policies in 2011, that number had declined to 508,731 policies by 2019.

Hurricane costs for insurers could lead to higher premiums

UBS analysts studying the damage and expected damage of Hurricane Dorian predicted that insurers would have to raise their prices in Florida and elsewhere. Estimates for damages arising from natural catastrophes in 2019 reached $70 billion. Analysts anticipate that these high costs could diminish excess capital.

Understanding hurricane damage claims and what is covered

Florida is a pleasant place to live due to the warm and agreeable climate, but its location leaves it vulnerable to hurricanes. Being victimized by a hurricane can result in property damage. Residents of the state should be aware of many factors involved with the unfortunate nature of being in a hurricane's path. A significant portion of preparation is having sufficient insurance to pay for damage and loss. Even people who believe they are adequately protected can be surprised when there is an insurance claim denial after a hurricane. Preparation is key.

Over $600K in hurricane claims paid at Insurance Village event

The Chief Financial Officer for the State of Florida announced that insurance companies wrote checks totaling $631,000 at a recent Insurance Village event. Hosted by Gulf Coast State College, the Insurance Village brought together agents from 22 insurance companies so that people could inquire about their Hurricane Michael insurance claims. The CFO reported that agents met with 144 people.

Insurance is critical in Florida hurricanes

Hurricanes can be costly for many homeowners in Florida who rely on insurance policies to pay for damages after a serious storm. Indeed, Florida storms extract a financial cost as well as a physical one. Between 1987 and 2016, damages from storms in Florida comprised 13 of all insured losses across the country. While hurricanes can strike elsewhere, six of the 10 most damaging hurricanes in the nation's history hit Florida during at least part of their paths. In 2004 and 2005 alone, four of these storms hit the state, inflicting damage on top of existing damage.

Floridians still suffering from Hurricane Michael

It seems like Floridians must worry about the possibility of storm damage after a serious hurricane every year. Many residents count on their insurance companies to help them negate their losses and rebuild after a hurricane. Nevertheless, thousands of property owners in Florida are still waiting for payments from Hurricane Michael, which struck in October 2018.

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