The day something happens
Read this before you need it. The first forty eight hours decide most of what a claim pays, and almost all of it comes down to documentation.
Make it safe, then photograph everything
Before you move anything or start drying anything. Wide shots and close ups, and video walking through. This is the evidence and it cannot be recreated later.
Prevent further damage, and keep the receipts
Your policy requires you to protect the property from getting worse and it pays for reasonable steps you take. Tarps, board up, water extraction. Keep every receipt.
Report it
To the carrier directly, and tell us at the same time. Direct reporting is faster and we can go with you through what comes next. Do not wait for us to open before calling a 24 hour claims line.
Write down who you spoke to
Names, times, claim number. It matters more than people expect.
Do not sign anything a contractor puts in front of you at the door
Especially an assignment of benefits. Read it, or let us read it. There is no repair that has to be signed for in the first hour.
After a hurricane
Your hurricane deductible applies from the moment a watch or warning is issued until 72 hours after the last one ends, once per calendar year. If you already met it earlier in the same year, keep that paperwork, because the second storm falls under your all other perils deductible instead.
About public adjusters
They are licensed, they work for you rather than for the carrier, and they take a percentage. On a large complex loss that can be worth it. On a small claim it usually is not. What matters is that you understand the fee and that you never sign it under pressure.
What this site does
It is not your agent and not your adjuster. It explains what the coverage means, what the policy actually says, and what Florida law requires, so that you can read your own file and judge the answers you are given. When you want a person, it passes your request to a licensed Florida agent who calls you.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number. This site is not an agency and employs nobody who can sell you a policy; it passes your request to a licensed Florida agent, who calls you. No obligation, and no call from six companies you have never heard of.
Your request goes to a licensed Florida agent, who may call, text or email you about it. That agent does not work for this site.