Florida Insurance Claim Resources
Use this page to move faster, document your loss correctly, and avoid common claim mistakes. If you want a licensed public adjuster to review your situation, request a free claim review anytime.
Start Here: What to Do in the First 24–48 Hours
- Stop the damage: Shut off water, tarp roof openings, and prevent further loss when safe.
- Photograph and video everything before moving items (wide shots + close-ups).
- Save damaged materials when possible (don’t discard until documented).
- Track expenses related to emergency mitigation, temporary housing, and materials.
- Notify the insurer and get a claim number (keep a written log of every call).
Tip: If you’re unsure whether you should sign a mitigation contract, accept a scope, or agree to a quick settlement, get a second set of eyes first.
Free Guides & Checklists (Original, Practical)
- Claim documentation checklist: photos, receipts, inventory, and damage mapping
- Questions to ask before you sign anything (mitigation, repairs, assignments, releases)
- Settlement red flags: “we can’t match,” “wear and tear,” “limited scope,” “engineer says no”
Want these as a one-page PDF? Call us and we’ll send it to you.
Official Florida & Federal Resources (High-Trust Links)
- Florida Division of Consumer Services (Insurance Help):
myfloridacfo.com/division/consumers - Florida DFS: File a Complaint / Get Help:
myfloridacfo.com/division/consumers/needourhelp - FEMA Disaster Assistance:
disasterassistance.gov - National Hurricane Center:
nhc.noaa.gov - Ready.gov Hurricane Preparedness:
ready.gov/hurricanes
Learn the Basics (Internal Guides)
Claim-Type Help (Go Straight to the Right Page)
These are the most common claim categories we help with in Florida. If you don’t see your situation, call and we’ll point you to the right next step.
- Water Damage Claims (pipe bursts, leaks, slab leaks, appliance failures)
- Hurricane & Wind Claims (roof damage, interior water intrusion, denied openings)
- Fire & Smoke Claims (soot, odor sealing, contents, code upgrades)
- Mold Claim Issues (coverage disputes, testing, scope, protocol)
- Commercial Claims (BI / extra expense, tenant improvements, inventory)
Note: If you already have a claim number and a scope/estimate, we can review it and tell you what’s missing and what’s defensible.
Need Help Right Now?
Call 24/7: (888) 881-8416 — Licensed Florida public adjusters. Free claim review.