Hurricane Watch in Destin: Prepare for Tropical Storm Isaias Damage Claims

You can report the claim as soon as damage happens. Florida policies require prompt notice. Before cleanup, photograph and video every affected area, save damaged materials where safe, and make only reasonable emergency repairs. A free review from American Financial Claims can tell you what to document for Isaias damage.

Usually the two policies cover different parts of the same loss. The master policy typically covers common elements and the building structure as defined in the declaration of condominium. Your HO-6 often covers interior finishes, contents, improvements and loss assessments. In Destin towers, we line up both scopes so nothing falls between them.

Loss-of-rents or fair-rental-value coverage depends on your policy forms. Keep the booking platform records, cancellation notices and past-season revenue. We review what your policy supports before you file that part of the claim.

Most homeowners and condo policies exclude flood and surge. Those losses usually fall under an NFIP or private flood policy. Wind damage that happens before or alongside the water can still be a homeowners claim, so documenting the order of damage matters.

Work seaward of the Coastal Construction Control Line generally needs an FDEP permit or exemption. Repair costs that follow from those rules may fall under ordinance-or-law coverage if your policy includes it.