Insurance Claims Process

If you have experienced a loss, understanding the insurance claims process is essential. This page explains how to file an insurance claim in Florida, what to do immediately after a loss, and the roles of both your insurance carrier and agency.

How to File an Insurance Claim

You should report all insurance claims directly to your insurance carrier as soon as possible after a loss. The carrier investigates, adjusts, and settles claims—not the insurance agency.

If you fail to report a claim promptly, you may face delays, reduced payments, or even denial of coverage. Therefore, timely reporting is crucial.

Immediate Steps to Take After a Loss

1. Report the Claim Immediately

First, contact your insurance carrier using the claim reporting number listed on your policy declarations page.

2. Protect the Property From Further Damage

Florida insurance policies require you to take reasonable steps to prevent additional damage. For example:

• Tarp a damaged roof after a storm
• Shut off water to stop active leaks
• Board up broken windows or doors

Also, take photos and videos before and during any temporary repairs whenever possible.

3. Document All Damages

Accurate documentation helps ensure faster and more accurate claim handling. Best practices include:

• Photograph all damaged areas and contents
• Create a written inventory of damaged personal property
• Keep receipts for emergency repairs and additional living expenses
• Maintain copies of all communications with the carrier and adjuster

4. Do Not Perform Permanent Repairs Without Approval

Never complete permanent repairs until the insurance carrier or assigned adjuster inspects the loss and gives authorization, unless the carrier specifically instructs otherwise in writing. Unauthorized repairs may reduce your coverage or reimbursement.

5. Cooperate With the Assigned Adjuster

Once a claim is filed, the carrier assigns an adjuster to:

• Investigate the loss
• Determine coverage
• Evaluate repair estimates
• Issue claim payments

Always cooperate promptly and provide access to the property as needed.

Florida-Specific Claims Guidance

Hurricane & Windstorm Claims

• Report claims immediately after the storm passes and it is safe
• Do not discard damaged materials until inspected
• Hurricane deductibles usually apply per policy terms

Water Damage Claims

• Shut off the water source immediately
• Mitigate damage quickly
• Gradual or repeated seepage may be excluded under many policies

Flood Claims

• Flood damage is not covered under standard homeowners insurance
• Report flood claims to your flood insurance carrier (NFIP or private flood insurer)
• Separate flood deductibles and procedures apply

Contractor & Repair Guidance

Policyholders may choose their own contractors. Before hiring:

• Verify Florida licensing and insurance
• Avoid signing assignments of benefits (AOBs) without legal review
• Do not pay large upfront deposits
• Obtain detailed written estimates

Remember, the insurance agency does not guarantee contractor pricing, workmanship, or timelines.

Deductibles, Coverage & Claim Payments

All claim payments depend on:

• Policy deductibles
• Coverage limits
• Policy terms, conditions, exclusions, and endorsements

Settlement decisions are based strictly on the policy—not contractor estimates or third-party opinions.

Role of the Insurance Agency

The insurance agency:

• Does not adjust claims
• Does not approve or deny coverage
• Does not determine payment amounts
• Does not act as a public adjuster

However, we can assist by:

• Helping locate claim reporting information
• Explaining general policy provisions
• Clarifying communications with the carrier

Remember, all claim decisions are made solely by the insurance carrier.