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Daytona Beach Lawyers > Blog > Property Damage / Insurance > As Winter Weather Impacts Florida, Property Damage Claims Increase

As Winter Weather Impacts Florida, Property Damage Claims Increase


While people living in northern states are used to frigid temperatures, icy roads and heavy snow accumulations, Florida residents generally enjoy milder weather during the winter months. It is one of the primary reasons people chose to live here and what drives many snow birds to spend the winter months at properties in Daytona Beach. Unfortunately, the fact is that we are not immune to winter weather hazards and while they may not be as severe as up north, they can still result in major property damages. Find out ways to protect yourself and how to file a property damage claim.

Protecting Your Property Against Winter Weather In Daytona Beach

Winter weather has been impacting people throughout the United States and residents of Florida are not immune. In January 2022, Fox 13 Tampa Bay reported on a major storm that swept throughout the country and resulted in snow falls along the Florida panhandle. Daytona Beach rarely gets more than an occasional dusting every few years or so, but we are impacted by driving rains, heavy winds, and frigid temperatures that winter weather often brings.

With so much attention focused on summer storms and hurricane season, people visiting or new to the Daytona Beach area are often unaware of some of the risks posed by winter weather. To prevent property damages from impacting your home or business, follow these steps:

  • Periodically inspect your property, removing fallen tree branches and other debris;
  • Secure outdoor items, such as your grill and patio furniture, as well as smaller items which could become projectiles in a storm;
  • Check your roof for loose or damaged shingles;
  • Inspect siding for gaps that could allow cold air or water to get in;
  • Insulate exposed pipes and plumbing outdoors, just in case of freezing temps.

Filing A Property Damage Claim

The Florida Department of Financial Affairs offers a handy tool book for homeowners that informs them of their rights in dealing with insurers and offers tips on filing claims. If you suffer property damage during the winter months, follow these steps:

  • Keep insurance documents handy and review the terms of your policy;
  • Make a complete inventory of all personal and property damages;
  • Take videos and photos, which provide important documentation in filing a claim;
  • Notify the insurer immediately;
  • Accompany claims adjusters when they inspect your property;
  • Respond promptly to any correspondence you receive from the insurer.

It is not uncommon for insurance companies to deny property damage claims. This can happen due to lack of documentation, failure to adhere to time limits for filing, or administrative errors. Regardless of the reason, you have the right to file an appeal.

Reach Out to Us Today for Help

If you have questions about filing an insurance claim for property damages or need help in appealing a denied claim, reach out to Bundza & Rodriguez. We have decades’ worth of experience dealing with insurers and helping local residents. To request a consultation, call or contact our Daytona Beach property damage claims attorneys online today.



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