Don’t Let the Storm Decide Your Future, Reclaim It With a Strategic Plan
If you’re recovering from Hurricane Helene or Hurricane Milton, you're likely dealing with insurance delays, FEMA letters, and decision fatigue. You're not alone and more importantly, you're not without options.
At Homes Built Stronger, we help Florida homeowners rebuild smarter with structure, strategy, and step-by-step tools designed for real recovery, not quick fixes.
🔍 Phase 1: Maximize Your Insurance Claim
Is your settlement too low? You’re not stuck with it.
Most policyholders accept the first offer, but an independent public adjuster can often uncover hidden damage and boost your payout.
✅ Pro Tip: Public adjusters in Florida often work on contingency, no payout, no fee.
📸 Document Everything: Take high-res photos, videos, and keep all repair receipts for supplemental claims.
🛠 Phase 2: Should You Repair, Rebuild, or Sell?🏚️ Repair If:
Your home is structurally sound
You want to stay under FEMA’s 50% Rule
You can DIY or hire affordable help
💡 Use stock materials (e.g., RTA cabinets, vinyl flooring) to cut costs and reduce permit issues.
🏗️ Rebuild If:
Damage exceeds 50% of market value
You want to elevate or modernize your home
You’re considering modular construction
✅ Modular Homes = Faster Permits + Lower Cost
Pre-approved plans under Florida Building Code can shave weeks off your permit timeline.
💼 Phase 3: Not Ready to Rebuild? Know Your Property Options
Sometimes, walking away makes sense, but selling isn’t your only path:
🔄 Short-Term Lease-to-Own (Handyman Special)
Rent your damaged home "as-is" to a buyer who handles repairs and pays a purchase option fee.
🤝 Joint Venture with an Investor
Share repair costs and split resale profits or rental income.
🌾 Land-Only Revenue Options
Generate passive income through:
RV storage
Tiny home rentals
Agricultural leasing
✅ Ask First: Check zoning rules and mortgage restrictions before choosing a path.
💵 Phase 4: Secure the Right Funding for Your Plan
Insurance alone rarely covers it all. Use a mix of options:
SBA Disaster Loans:
Low-interest, long-term, great for structural repairs
→ Apply at sba.gov/disaster
FHA 203(k) Loans:
Buy, refinance, and renovate in one package
Fannie Mae Homestyle Loans:
Covers luxury items + code upgrades
Mortgage Modification/Forbearance:
Free up cash by renegotiating loan terms
✅ Pro Tip: Stack your funding sources, combine SBA with grants or insurance to stretch every dollar.
📝 Phase 5: Get Permits + Proper Insurance Before You Build✅ Permits:
Always check county and city codes
Unpermitted work can kill insurance claims
✅ Renovation Insurance:
Consider builder’s risk coverage
Standard home insurance won’t protect during active repairs.
Final Word: You’re Not Just Rebuilding, You’re Reinventing
Recovery after Helene or Milton isn’t just about fixing walls, it’s about reclaiming your future. With the right strategy, you can build stronger, protect your investment, and move forward with clarity.
We’re here to walk every step with you.
At HomesBuiltStronger (HBS), we help Florida homeowners unlock smarter solutions with expert tools and personalized guidance.
At Homes Built Stronger, we specialize in helping homeowners like you uncover smart recovery alternatives, without giving up your future.
🎯 Ready to protect your home and your wallet?
🔒 [Get the SmartStart Home Defense Kit – $67 Launch Offer]
🎓 [Join SmartStart Homeowner VIP – $797 for 2-Day Recovery Training]
🧩 [Apply for the SmartStart Concierge Program – We Help You Build the Whole Plan]
click here: https://homesbuiltstronger.com/products
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