First week of Florida hurricane season puts residents on high alert with NOAA forecast


Prohibited use applies when a government authority prohibits residents from accessing their homes in good condition.

The first week of the hurricane season caused 8 to 16 inches of rain and caused major urban flooding in South Florida. Maximum sustained winds only reached 70 mph east of Florida, so they were just below the threshold for a Category 1 hurricane. Floridians were put on early alert and residents should prepare for a busy storm season in 2022. The National Oceanic and Atmospheric Administration (NOAA) predicts an approximate range of 14 to 21 named storms (winds of 39 mph or greater), of which 6 to 10 could become hurricanes (winds of 74 mph or greater). more), including 3 to 6 major hurricanes (category 3, 4 or 5; with winds of 111 mph or more). NOAA provides these ranges with a 70% confidence level.

Hurricane preparedness – do I stay or do I go?

Major hurricanes will likely require mandatory evacuation throughout the state of Florida, and residents may be forced to leave their homes due to the threat of hurricanes or after damage renders their home uninhabitable. During forced evacuations, homeowners may incur expenses to secure their properties in their absence and other costs, including food, gas, and temporary housing if they have to weather a storm elsewhere. Although some Florida homeowners insurance policies cover these losses, it is best to discuss weather issues in Florida when purchasing a policy to ensure there are no issues at hand. the approach of a storm. A mandatory evacuation of residents is not issued unless a Category 3 or greater hurricane is forecast. Costs under “Mandatory Evacuation” guidelines may be paid, where evacuations undertaken for hurricane safety below Category 3 may cause impediments to payment. Experienced Insurance Claims Lawyers will conduct policy reviews to ensure that documents loss of use coverage and help with claims that are submitted after a storm.

Loss of use guarantees

Most homeowners insurance policies include loss of use coverage that can cover:

Dilapidated house with a donkey in front of the lawn; image by Roya Ann Miller, via
  • Cover for additional living expenses (ALE insurance): ALE insurance reimburses homeowners for additional living expenses resulting from having to live away from home after a covered loss.
  • Fair rental value: As a landlord renting a property, the fair rental value, also called loss of rent insurance, reimburses the rental income lost when renting a dwelling and it becomes uninhabitable due to a disaster. covered.

Prohibited Use Covers

Prohibited use is included in the loss of use warranty. Prohibited use applies when a government authority prohibits residents from accessing their homes in good condition. Even when a home has not been damaged, homeowners can file a loss of use claim for additional living expenses without damage because they cannot return home. Coverage could also include meals and incidentals. This coverage is similar to but slightly different from the coverage that comes into effect when a home becomes uninhabitable. This coverage is called loss of use, and the details vary depending on the policy and the company issuing it.

List of supporting documents

Owners need to know their policy coverages and a insurance lawyer may set specific requirements for claims for loss of use in the State of Florida resulting from forced evacuations in the event of a storm. Policyholders should list information relevant to the claim, including:

  1. Date and nature of the claim,
  2. Location and injuries sustained,
  3. Other than the residents involved,
  4. house condition,
  5. Detailed description of the damaged content,
  6. Information regarding temporary repairs or full replacement,
  7. Utilities Department Records,
  8. Keep a file of documents, records, photos of items, receipts for the cost of items, and email transmissions of communication with the insurance company, as well as notes of phone calls or other interactions relating to property losses due to storm damage.

Hire a lawyer

Florida homeowners who find themselves embroiled in insurance disputes arising from claims for loss of use or prohibited use of a home when a hurricane threatens Florida should contact the Shochet Law Group who can help file or dispute an insurance claim rejection.


  1. NOAA predicts above-normal 2022 Atlantic hurricane season | The National Oceanic and Atmospheric Administration
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