Florida Hurricane Insurance Claim Checklist

What should I do before inspecting hurricane damage?

Follow emergency instructions and avoid unsafe structures, downed power lines and floodwater. Seek appropriate assistance. Photograph only what you can safely access; do not delay necessary safety measures to obtain evidence.

Which records should I collect for my claim?

Keep original files and a backup. These are practical recordkeeping suggestions, not a substitute for the policy requirements.

• 1. Policy, declarations and endorsements in effect on the loss date.
• 2. Dated photographs or video of damage and any available pre-loss condition records.
• 3. Claim number, reporting confirmation and insurer or adjuster contacts.
• 4. Estimates, invoices, receipts and documents describing temporary mitigation.
• 5. Coverage letters, payment explanations and requests for additional information.

How should I keep track of the insurer’s response?

Maintain a log with the date, person, communication and next requested step. Keep copies of submissions and delivery confirmations. Section 627.70131 addresses insurer communications and investigation with qualifications and exceptions; it is not an unconditional promise of a payment date.

What if the claim is denied or the payment seems too low?

Preserve the written reason and compare it with the policy and supporting estimates. Request individual review of coverage, scope, causation and any appraisal provision before selecting a procedure. Do not assume repairs, negotiations or a supplemental submission extend a legal deadline.