COVID-19 UPDATE: Perazzo Law is Open and Serving Clients Remotely - Click Here to Learn More

Tropical Storms and Flood Damages – Property Damage Insurance Claims


Tropical storms are a common occurrence in Florida due to its geographic location and warm waters. The state is surrounded by the Atlantic Ocean to the east, the Gulf of Mexico to the west, and the Straits of Florida to the south. The warm waters provide the fuel needed for tropical storms to form, intensify, and potentially cause damage.

Causes: Tropical storms are caused by a combination of warm water and moist air. When the temperature of the ocean water is at least 80 degrees Fahrenheit (26.5 degrees Celsius), it can provide the necessary energy for the formation and strengthening of a tropical storm. As the warm air rises from the water, it creates an area of low pressure, which pulls in more warm, moist air. As the moist air rises, it cools, and the water vapor condenses, forming clouds and releasing heat. This heat further fuels the storm, creating strong winds and heavy rain.

Results: The results of tropical storms in Florida can be devastating. These storms can cause significant damage to homes, buildings, and infrastructure, and can result in loss of life. The most severe effects of tropical storms in Florida are often due to heavy rain and flooding, high winds, and storm surges.

Heavy rain and flooding: Tropical storms can bring intense rainfall that can quickly overwhelm drainage systems, leading to flooding. Floodwaters can damage homes, roads, and bridges and can cause landslides.

High winds: Tropical storms can generate winds of up to 73 miles per hour (117 kilometers per hour) or more. These winds can damage buildings, knock down power lines, and uproot trees, causing widespread power outages and other disruptions.

Storm surges: The strong winds and low pressure associated with tropical storms can push large amounts of water toward the coast, creating storm surges. These surges can cause significant damage to buildings and infrastructure and can result in flooding in low-lying areas.

In conclusion, the causes and results of tropical storms in Florida are primarily due to the state’s geographic location and warm waters. While these storms can be devastating, preparation and planning can help reduce their impact on communities and individuals.

What to do after Storm Damage

The Perazzo Law Firm in Miami offers valuable advice on how to handle property damage caused by a hurricane. Firstly, it is important to check for any injuries to yourself or others in your residence. Stay inside until the authorities confirm it is safe to go outside and do not approach downed power cables. If you smell gas, report it to the authorities and find shelter. It is recommended that you do not attempt to make any home repairs without first contacting your insurance provider. Avoid going on the roof of your home alone and take photos of any damages. Consider contacting a public adjuster to help you with your insurance claim, and if necessary, hire an insurance claim attorney to resolve any disputes between the public adjuster and the insurance provider. For further information on hurricane damage and property damage insurance claims, please see: Accidents caused by strong winds.

If you, a loved one, or family member has an insurance claim regarding loss or damage to your property as a result of severe weather conditions, the Perazzo Law Firm urges you to Contact us Online or Call (786) LAWS -411 for a Free initial consultation.

Contact Information