insurance faqs:
As soon as it’s safe.
Report the damage immediately to start your claim and receive guidance on next steps.Have the following ready:
• Your policy number
• Address of the damaged property
• Date and cause of damage
• Photos/videos of damage
• A list of damaged or lost items
• Contact information and temporary address (if displaced)Yes. Always document first.
Take clear photos and videos of all damage before making repairs or throwing anything away.You can make temporary repairs to prevent further damage (like tarping a roof), but:
• Keep receipts
• Do not begin major repairs until your adjuster has assessed the damageYour deductible is the amount you must pay out of pocket before insurance covers the rest of the claim.
Most standard homeowners policies do NOT cover flooding.
Flood coverage typically requires a separate policy.Many policies include “Loss of Use” coverage, which may help pay for:
• Temporary housing
• Meals
• Additional living expenses
Check with your insurance company for details.
It varies depending on the damage and claim volume after a disaster.
Staying organized and responding quickly to requests can help speed up the process.Keep:
• All receipts (repairs, hotels, food)
• Claim number and adjuster contact info
• Notes from phone calls and emailsYou can:
• Ask for a detailed explanation
• Request a re-evaluation
• Contact Florida’s insurance consumer assistance officePhone: 1-877-MY-FL-CFO (1-877-693-5236)
Online: MyFloridaCFO.com (Consumer Services section)
Apply for supplies and resources at anchoredinhopetb.com