Ensure Safety First
Secure your home and make sure everyone is safe. If needed, turn off electricity or water. Use tarps to temporarily protect the property.
Document the Damage
Take clear photos and videos of all visible damage before any cleanup or repairs. This documentation is crucial for insurance claims.
Prevent Further Loss
Take reasonable steps to minimize damage like covering broken windows or leaks. Your policy may require this to avoid denied claims.
Notify Your Insurance Company
Contact your insurance carrier as soon as possible. Most allow filing via phone, app, or online portal. Be prepared with your policy number and a brief description of the damage.
Schedule an Inspection
The insurer will send an adjuster to inspect your property. Be present, share photos/videos, and ask questions. This inspection is key to your payout.
Get Repair Estimates
Request estimates from licensed contractors. Share these with your adjuster to support your claim. Florida law allows you to seek fair market value repairs.
Review the Settlement Offer
Once your adjuster completes their report, you’ll receive a payout offer. Review it carefully and compare it with your estimates. Don’t accept right away if it feels low.
Negotiate or Approve
You’re allowed to negotiate if the settlement doesn’t match actual costs. Provide documents or estimates. When satisfied, approve the payout to start repairs.
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Start Your Repairs
Use your payout to begin authorized repairs. Ensure your contractors are licensed and follow permit requirements if needed.
Keep Receipts & Invoices
Document all expenses related to repairs or temporary work. These will support future supplements or tax filings.
Track Supplements
If new or hidden damage is discovered, a supplemental claim may be filed. Act fast and provide updated photos and estimates.
Final Inspections
Mortgage companies may require final inspections before releasing the final portion of your claim funds. Check your disbursement schedule.
Not Happy With Your Offer?
You have rights. Public Adjusters and Legal professionals can help you reopen a claim or dispute unfair settlements.
Get a Free Claim Review