The Problem Is Systemic
Hurricane Milton made landfall on Florida's Gulf Coast on October 9, 2024, as a Category 3 hurricane — one of the strongest storms to strike the state in a generation. Winds exceeded 120 mph. Storm surge flooded entire neighborhoods. Roofs were torn off homes from Sarasota to Orlando.
FEMA declared a Major Disaster under DR-4834-FL. Tens of thousands of Florida homeowners filed insurance claims in the weeks that followed. And tens of thousands received settlements that didn't come close to covering their actual damage.
According to Weiss Ratings, 42% of all U.S. homeowner insurance claims in 2024 were closed with zero payment — up from 25.7% in 2004. Florida accounts for a disproportionate share of those denials and underpayments. The data is clear: carriers are paying less, more often, to more people.
A 2010 Florida OPPAGA study (Report No. 10-06) found that homeowners who used a public adjuster recovered between 19% and 747% more on their claims than those who accepted the carrier's first offer. The gap hasn't closed — it's widened.
One Milton Homeowner's Story: $23,266 → $623,435
ClaimRestored's founder filed a Hurricane Milton claim on his own home in Florida. Universal Property & Casualty — one of Florida's largest carriers with ~561,000 policies — offered $23,266.28 on February 18, 2025.
An independent appraisal by Horse & Crown came back at $892,465.57.
Total recovery to date: $623,435 — a 27x multiplier over the carrier's original offer.
What ClaimRestored Does for Milton Homeowners
ClaimRestored's AI-powered claim check analyzes your Hurricane Milton settlement against 100,000+ Florida DFS Civil Remedy Notice records — the largest proprietary dataset of carrier behavior in the state. In 3 minutes, you'll see how your payout compares to similar claims in your county, from your carrier, for Hurricane Milton.
The initial check is always free. No credit card. No obligation. If your claim looks underpaid, ClaimRestored offers flat-fee plans starting at $249 — not a percentage of your recovery like a traditional public adjuster.
Important Milton Deadlines
Under Florida Statute §627.70132, Hurricane Milton homeowners have specific filing windows:
Government Resources for Milton Survivors
ClaimRestored works alongside — not instead of — federal and state disaster programs. Most homeowners don't know these programs exist, or how to appeal when they're denied. ClaimRestored's Government Package helps you navigate FEMA, SBA, and state agencies alongside your private insurance claim.
- FEMA Individual Assistance — Up to $87,200 in disaster grants. DisasterAssistance.gov · 1-800-621-3362. FEMA does not ask about immigration status.
- SBA Disaster Loans — Up to $600,000 for home repair at below-market rates. SBA.gov/disaster
- FL Division of Financial Services — File a complaint about your carrier. MyFloridaCFO.com
- FL Division of Emergency Management — State disaster resources. FloridaDisaster.org