How to File a Claim and Protect Your Home After a Storm
- Krystal Thomas
- May 31
- 3 min read
When a storm hits the Florida Keys, the aftermath can feel overwhelming — even if you’ve prepared in advance. From assessing damage and securing your property to filing an insurance claim and seeking help, it’s important to act quickly, but calmly.
That’s why ShineGroup has created this bookmark-worthy blog: a practical, easy-to-follow guide for what to do after a storm, including how to file a claim, protect your property, and connect with trusted local resources.
✅ Step 1: Prioritize Safety First
Wait until officials declare it safe to return to your area
Avoid floodwaters — they may be contaminated or electrically charged
Use caution around downed power lines, broken glass, or unstable structures
Wear protective gear (boots, gloves, masks) when inspecting your home
🔦 Tip from ShineGroup: Keep a flashlight (not candles) handy for power outages to reduce fire risk.
📸 Step 2: Document the Damage Thoroughly
Take clear, wide-angle photos and videos of all visible damage (interior and exterior)
Don’t discard damaged items until documented
Capture structural issues, water damage, roof impact, and detached fences or fixtures
Include timestamps if possible
📋 What to document:
Roof, siding, windows, doors, flooring
Appliances, furniture, electronics
Vehicles, boats, outdoor equipment
Landscaping and fallen trees
📝 Step 3: Contact Your Insurance Company
Call your insurance provider’s claims hotline (check your policy or app for details)
Be ready with your policy number and a summary of damage
Ask what emergency repairs you’re allowed to do immediately
Request a claims adjuster appointment and track all communication
📎 ShineGroup Tip: Keep a physical copy of your policy and emergency contact numbers in a waterproof container before each hurricane season.
🔧 Step 4: Prevent Further Damage (Temporary Repairs)
You’re allowed (and expected) to protect your home from worsening damage — just don’t make permanent repairs until your adjuster has visited.
Cover broken windows and roof leaks with tarps or plywood
Remove water-soaked carpets and drywall to prevent mold
Keep all receipts and materials used for temporary fixes
🛠️ Local Help:
Florida Keys Emergency Assistance: www.monroecounty-fl.gov
Volunteer disaster clean-up: www.crisiscleanup.org
📤 Step 5: Submit Your Claim & Work with the Adjuster
Provide documentation, receipts, and your damage list
Walk the adjuster through the damage personally, if possible
Ask for a written copy of the adjuster’s report
Keep copies of all emails, letters, and paperwork
🗂️ Pro Tip: Create a digital and physical folder to stay organized throughout the claim process.
🔄 Step 6: Begin the Repair Process
Choose licensed, insured local contractors (watch for scammers after major storms)
Avoid paying 100% upfront for work — get contracts in writing
Schedule work based on urgency: roofing, structural, water removal, then interior repairs
📞 Need trusted help? ShineGroup can connect you with reliable vendors we’ve worked with for years — from roofing and electrical to mold remediation.
💼 Bonus: FEMA & Local Disaster Assistance
If you’re uninsured or underinsured, you may be eligible for FEMA disaster aid, including:
Temporary housing
Medical or repair grants
Disaster unemployment assistance
📍 Visit: www.disasterassistance.gov
📍 Monroe County Disaster Recovery: www.monroecountyem.com
🏡 ShineGroup Is Here for You — Before, During & After the Storm
Whether you're filing your first hurricane claim or navigating a rebuild, you don’t have to go through it alone. ShineGroup is more than a real estate agency — we’re part of the Florida Keys community, and we’re committed to helping you recover, rebuild, and stay resilient.
📞 Need help finding contractors, reviewing your insurance documents, or exploring relocation options?
Contact ShineGroup for expert advice and local guidance — anytime, rain or shine.
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