The Claims Process
If you have a covered loss, you should determine if the amount of the loss exceeds your policy
deductible. If the damage exceeds your deductible, report the loss to your insurance company as
soon as possible. If the covered loss is due to a hurricane and the amount of the loss is less than your
hurricane deductible, you should still le a claim with your insurance company, and save all invoices
and receipts for the repairs that were completed.
It is important to le the claim because the hurricane deductible is a calendar year deductible. This
means, you only have to meet the hurricane deductible once during the calendar year. If there are
two or more hurricanes in the same calendar year, the deductible that will be applied to damage that
occurs from a second hurricane will be either (1) the amount left over from the deductible applied to the
damage from the rst hurricane or (2) the “all peril” deductible stated in your policy, whichever is greater.
If your home is damaged, you must make emergency repairs to prevent further damage. You should
keep all your receipts for material and labor while making emergency repairs. It is benecial to take
pictures of the damaged property before starting the emergency repairs. You should never repair all
the structure damage or throw away any damaged personal property until instructed to do so by the
adjuster. The company has a right to inspect the damage before you receive payment.
Make sure your adjuster is properly licensed in Florida. If you have any questions about the license
status of an adjuster, or the way your claim was handled, call the Department’s Insurance Consumer
Helpline toll-free at 1-877-My-FL-CFO (1-877-693-5236).
Keep a phone log of the dates, times, and names of all persons you speak to regarding your claim. Also
keep a copy of anything you sign.
Options Available If You Have a Claim Dispute
Mediation: This is an informal process where a trained, neutral mediator tries to help resolve the
dispute without dictating the outcome. The insurance company pays the cost of the mediation process.
Mediation is not binding on either party. You are not required to accept the offer made by the company
at the mediation conference. To determine if your claim qualies for mediation, call the Department’s
Insurance Consumer Helpline at 1-877-My-FL-CFO (1-877-693-5236).
Appraisal: If you and your company representative cannot reach a satisfactory settlement and your
policy allows appraisal, you may hire an appraiser to reach a compromise gure. Your appraiser will
negotiate with the insurer’s appraiser to reach a settlement. If the two appraisers cannot agree, they
will hire an umpire. The cost of the umpire is shared by you and the insurer. A decision of any two of
the three appraisers is binding on all parties.
Types of Adjusters
When you report a claim to your insurer, they normally assign an adjuster to inspect and estimate your
loss. Adjusters must be licensed in the state of Florida. There are three types of adjusters.
1. Company Adjusters: They work and are paid by your insurance company to inspect and estimate
your loss. They submit a report directly to the insurance company which is used by the company
to determine payment to you. In the event of a disaster, emergency adjusters are licensed to
assist in Florida. The emergency adjusters are also hired and paid by the insurance companies.
PROPERTY INVENTORY & CLAIM PROCESS