How to File an Insurance Claim in Florida: A Complete Guide

When disaster strikes, knowing how to file an insurance claim can make a stressful situation more manageable. Whether you are dealing with hurricane damage, a car accident, or theft, this guide walks you through the process.

Before You Need to File

The best time to prepare for a claim is before you need one:

• Create a home inventory with photos and receipts
• Store documentation in the cloud or off-site
• Know your policy number and agent contact information
• Understand your coverage limits and deductibles
• Review your policy annually

Immediate Steps After a Loss

1. Ensure Safety

Your safety comes first. Do not enter a damaged building until authorities say it is safe. If there is ongoing danger, call 911.

2. Prevent Further Damage

Take reasonable steps to prevent additional damage:

• Cover broken windows with plastic
• Tarp damaged roofs
• Turn off water if pipes burst
• Move undamaged items away from water

Keep receipts for any emergency repairs.

3. Document Everything

Before cleaning up:

• Take photos and video of all damage
• Make a list of damaged items
• Save damaged items if possible
• Note the date, time, and circumstances

Filing the Claim

Contact Your Insurance Company

Report the claim as soon as possible. Most insurers offer multiple ways to file:

• Call your agent directly
• Use the company 24/7 claims hotline
• File online through the company portal
• Use the company mobile app

Provide Required Information

Be prepared to provide:

• Policy number
• Date and time of loss
• Description of what happened
• List of damaged property
• Police report number (if applicable)
• Contact information

Work With the Adjuster

An insurance adjuster will contact you to inspect the damage. During their visit:

• Be present if possible
• Point out all damage
• Share your documentation
• Ask questions about the process
• Get the adjuster contact information

After Filing

Keep Detailed Records

Document every conversation with your insurance company, including:

• Date and time of calls
• Name of person you spoke with
• What was discussed
• Any promises made

Get Repair Estimates

Obtain multiple repair estimates from licensed contractors. Your insurance company may have preferred vendors, but you typically can choose your own.

Review the Settlement

When you receive a settlement offer, review it carefully. If you believe it is too low:

• Ask for a detailed explanation
• Provide additional documentation
• Request a re-inspection
• Consider hiring a public adjuster

Florida-Specific Considerations

• Florida has a one-year deadline to file most property claims after a loss
• Assignment of Benefits (AOB) can transfer claim rights to contractors
• Hurricane claims may have separate deductibles
• Flood damage requires a separate claim to your flood insurer

Need help with a claim? Contact Anchor & Atlas Insurance and we will advocate for you.