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Insurance Consumer Advocate

Sha'Ron James

Contact Us
Mailing: 200 East Gaines St.
Tallahassee, FL 32399-0308

For Consumer Assistance:
Contact the Division of
Consumer Services within the
Department of Financial Services

Online at
Consumer Services
Toll-free in Florida
Out of State
(850) 413-3089
(850) 413-3033

Public Records Requests

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Floridians affected by a storm may have insurance questions as they survey their property damage. It is recommended that you locate all applicable insurance policies, document all damaged property and belongings using photo or video footage and report a claim as soon as possible. Here are some general insurance coverage guidelines that can help Floridians unsure of what to expect when contacting their insurance company to report damage and file a claim.




Flooding Food Spoilage Hurricane Deductible
Repairs Trees and Debris Removal Resources



Hurricane Category Date
Michael 4 October 10, 2018





Hurricane Category Date
Irma 2-4 September 10-11, 2017





Hurricane Category Date
Hermine 1 September 1, 2016
Matthew 3-4 October 7-8, 2016




News Articles and Press Releases


10/21/2018 Press Release: CFO and State Fire Marshal Jimmy Patronis Activates Emergency Insurance Village in Marianna Florida Department of Financial Services
10/20/2018 Protect Yourself From Post-Storm Scams Octavio Blanco - Consumer Reports
10/18/2018 Regulators, Industry Seek to Keep Florida AOB Abuse In Check After Michael Amy O'Connor - Insurance Journal
09/03/2018 CONSUMER ALERT: Understanding What Your Are Signing During Tropical Storm Gordon Recovery Florida Office of Insurance Regulation
10/18/2017 Damages from Hurricane Irma mount in Central Florida Mary Shanklin - Orlando Sentinel
10/16/2017 After Irma: Why are 90% of flood claims being denied? Charles Elmore - Palm Beach Post
10/13/2017 Don’t be an Irma victim a second time Linda Robertson - FL Keys News
10/12/2017 CFO Patronis Deploys Insurance Experts to the Florida Keys Kathy M Foster - Foster Folly News
10/10/2017 Irma insured loss tally hits $4.2 billion according to Florida regulators Lyle Adriano - Insurance Business America
10/09/2017 Irma is long gone but her visit may cost Florida for years to come James Call - Tallahassee Democrat
10/09/2017 Insurance Claims From Irma Continue to Climb, but Still far Below Projections John Lucas - The Capitolist
10/09/2017 Hurricane Irma: Inspection backlogs grow as $5.3B OKed in claims, aid Charles Elmore - Palm Beach Post
10/08/2017 FEMA to open Hurricane Irma disaster recovery center in Sunrise Aric Chokey - Sun Sentinel
10/07/2017 FEMA adds Oct. 1 flood victims to Hurricane Irma coverage Lamaur Stancil - Florida Today
10/06/2017 Osceola County opens Hurricane Maria relief center Amanda Castro - Click Orlando
10/05/2017 Florida to deploy anti-fraud strike teams in Hurricane Irma aftermath Danielle Ling - Property Casuatly 360
10/03/2017 Scam Alert! In A Hyperactive Hurricane Season, The Worst May Not Be Over Christopher Elliott - Huffington Post
10/02/2017 Irma-related insurance claims mount in Florida Tia Mitchell - The Florida Timies-Union
09/29/2017 Anti-fraud investigators looking for post-storm scam artists WWSB My Suncoast
09/29/2017 Claims and Concurrent Causation Issues in the Wake of Hurricanes Harvey and Irma Wilson Elser - JD Supra
09/28/2017 Congress approves special tax breaks for Harvey, Irma and Maria victims Ledyard King - TC Palm
09/25/2017 Irma brings winds, floods and scammers John Hielscher - News-JournalOnline.com
09/21/2017 Insurance villages help with disaster recovery in SWFL Rachel Polansky - NBC 2
09/21/2017 5 Scams to Avoid After a Hurricane Hits Laura Adams- Huffington Post
09/21/2017 After Irma: FEMA opens Boynton center as Florida aid tops $106 million Charles Elmore - Palm Beach Post
09/20/2017 Will FEMA or insurance cover Irma-related sinkhole or washout damage? Michael Williams and Krista Torralva - Orlando Sentinel
09/20/2017 Consumer Advocates: Don't let contractors handle insurance claims Troy Kinsey - My News 13
09/20/2017 The first 60 days post-Irma are critical to your insurance recovery Walter J. Andrews - Property Casualty 360
09/20/2017 AIrma took your job? State offers another short-term solution Paul Brinkmann - Orlando Sentinel
09/20/2017 MEDIA ADVISORY: Avoiding Unlicensed Contractors Following Hurricane Irma Property Casuatly Insurers Association of America
09/20/2017 Hurricane Irma victims could face fight between insurers, contractors Gray Rohrer - Orlando Sentinel
09/20/2017 Insurance roadshow stops in Jacksonville to help with Irma questions Steve Patterson - The Florida Times-Union
09/20/2017 ‘Insurance villages’ set up for post-Irma help in Lee, Collier WINK News
09/20/2017 Getting help or helping others B.C. Manion - The Laker / Lutz News
09/19/2017 Hurricane victims crowd FEMA disaster center Tarik Minor and Steve Patrick - News 4 JAx
09/18/2017 Federal Reemployment Assistance Available for Additional Counties Florida Trend
09/18/2017 Florida officials warn about insurance fraud after Irma Phil Buck - WTSP
09/18/2017 Federal Reemployment Assistance Available for Additional Counties Florida Trend
09/17/2017 Seminole Chamber: For Businesses Recovering from Irma Tampa Bay Reporter
09/17/2017 Hurricane Irma aftermath information to be available at Naples, Fort Myers centers Michael Braun - News-Press.com
09/17/2017 Free legal assistance available for Florida Hurricane Irma survivors Highlands News-Sun
09/16/2017 Recovery resources: List of important phone numbers, websites WINK News
09/16/2017 Recovery assistance is available The Gainesville Sun
09/16/2017 Beware of unlicensed vendors after Irma North Port Sun and Weekly Herald
09/15/2017 Disaster recovery centers opening in areas hardest hit by Hurricane Irma Ron Hurtibise - Sun Sentinel
09/16/2017 No, FPL Will Not Reimburse You For Food Spoiled During Power Outages Teresa Frontado - WUSF Public Media
09/15/2017 Florida officials provide residents with access to resources following Irma ABC 27 WTXL
09/15/2017 Disaster recovery centers opening in areas hardest hit by Hurricane Irma Ron Hurtibise - Sun Sentinel
09/15/2017 Disaster relief and recovery centers across the First Coast Stephanie Brown - News 104.5 WOKV
09/15/2017 CFO Patronis Partners with Senator Marco Rubio to Open Insurance Villages and Disaster Recovery Centers Across Florida Capital Soup
09/15/2017 Insurers begin taking stock of Hurricane Irma's damage Malena Carollo - Tampa Bay Times
09/15/2017 After the storm: Florida Bar offer legal assistance The Florida Bar - Tallahassee Democrat
09/15/2017 Best way to report fraud after Hurricane Irma ABC 25 WPBF News
09/15/2017 After Irma: Claims pour into Florida insurers; can they handle losses? Charles Elmore - Palm Beach Post
09/15/2017 Rooney: How FEMA can help you if you suffered Hurricane Irma losses Francis Rooney - News-Press.com
09/15/2017 FEMA/NFIP Announce Enhanced Claims Filing Process for Flood Insurance Policyholders Affected by Hurricane Irma Capital Soup
09/14/2017 File claims with insurance company, report problems to fraud tip lines Palm Coast Observer
09/14/2017 When to use a public adjuster for hurricane insurance claims Barbara Marquand - USA Today
09/14/2017 After Irma, Report Losses Quickly and Protect Yourself from Unlicensed Individuals Florida Trend
09/14/2017 Officials warn against scammers after Hurricane Irma David Harris - Orlando Sentinel
09/13/2017 Guidelines to follow when hiring a tree service First Coast News
09/13/2017 Important Phone Numbers In The Aftermath Of Hurricane Irma WLRN News
09/12/2017 Jimmy Patronis warns of post-hurricane fraud Staff Reports - Saint Peters Blog
09/09/2017 Former insurance consumer advocate Sean Shaw explains what to do before, after Irma Mitch Perry - Saint Peters Blog
09/08/2017 Information for the Aftermath: Insurance Kathrine Conroy - Orlando Political Observer
09/08/2017 DISASTER RESOURCES: State of Florida Launches Hurricane Irma Insurance Information Website Space Coast Daily
09/07/2017 Used cars and car insurance after a hurricane Hannah Smith - Property Casualty 360
09/07/2017 How to make your Hurricane Irma insurance claim go smoothly as possible Ron Hurtibise - Sun Sentinel
04/25/2017 St. Augustine Commission looks at best ways to help homeowners recover from hurricane Stuart Korfhage - St. Augustine Record
04/24/2017 Hurricane Matthew breaks records, Aon report shows Denny Jacob - Property Casualty 360
04/24/2017 City of St. Augustine could give more time for people to live in trailers after hurricane Sheldon Gardner - The St. Augustine Record
03/28/2017 County residents have received $7.5 million in direct relief from FEMA since Matthew Jared Keever - The St. Augustine Record
03/08/2017 Hurricane Matthew Florida loss hits $1.182 billion, further to rise Artemis
02/08/2017 Proof of Loss Deadline Extended for Florida Hurricane Matthew Claims Insurance Journal
02/07/2017 FEMA extends deadline for Hurricane Matthew-related flood insurance claims Ryan Murphy - The Virginian-Pilot
02/05/2017 HURRICANE BLUES?: Program offers help for those dealing with emotional, mental aftermath from Matthew Sheldon Gardner - The St. Augustine Record
02/03/2017 Flood claim? You have 60 days left for Matthew, Hermine expired Charles Elmore & Susan Salisbury - Palm Beach Post
02/02/2017 Proof Of Loss Deadline Extended For Hurricane Matthew Victims Chris Andrews - News For Shoppers
01/28/2017 New hurricane maps answer key question: What time will winds hit me? Kimberly Miller - Palm Beach Post
01/28/2017 Senate bill offers post-disaster relief to homeowners Tony Holt - The Daytona Beach News-Journal
01/27/2017 Governor allocates $16 million to restore beaches damaged by Hurricane Matthew Alex Lassen - News 4 Jax
01/26/2017 Florida House mulls tax breaks for early-season storm prep A. G. Gancarski - Florida Politics
01/16/2017 Startups Withstood Matthew, But More Modeling Needed: Florida Regulators Risk Market News
01/09/2017 Palm Beach County set to approve $3.4M in Hurricane Matthew disaster aid Skyler Swisher - Sun Sentinel
01/09/2017 Manatee estimates Hurricane Hermine damage exceeds $9 million Claire Aronson - Bradenton Herald
12/25/2016 Months after Matthew, Florida oceanfront homes still at risk Associated Press - The Washington Times
12/23/2016 HUD awards $58M to help Florida recover from Hermine News 4 Jax
12/21/2016 Hurricane flood claim deadline pushed to Jan. 31 Charles Elmore - Palm Beach Post
12/18/2016 Hermine, Matthew Damages Near $1.6 Billion Jim Turner - News Service of Florida
12/14/2016 Flagler residents denied FEMA assistance post-Matthew still need help Brittany Jones - News 13 Palm Coast
12/14/2016 2017 could bring active hurricane season, report says David Fleshler - Orlando Sentinel
12/14/2016 Deadline for hurricane aid is Friday; more than 40,000 have applied for FEMA help Stuart Korfhage - The Florida Times-Union
12/13/2016 Hermine report: State denied requests for help Jeff Burlew - Tallahassee Democrat
12/08/2016 A Look Back at 2016 Atlantic Hurricane Season Insurance Journal
12/08/2016 Recovery process under scrutiny two months after Hurricane Matthew Jake Martin - The St. Augustine Record
12/06/2016 City facing long list of repairs, uncertainty about aid following Hurricane Matthew Sheldon Gardner - The St. Augustine Record
11/28/2016 No Thanksgiving at home for Clay Co. family affected by Matthew Julia Jenaé - WTLV
11/28/2016 Long road to recovery for Hurricane Matthew victims with substantially damaged homes Jake Martin - The St. Augustine Record
11/23/2016 Hurricane Matthew damage lingers for Osceola family

Mary Shanklin - Orlando Sentinel

11/22/2016 FEMA to survey damaged homes, businesses Mike Wright - Citrus County Chronicle
11/21/2016 Hurricane Hermine victims can still apply for aid Jeffery Schweers - Tallahassee Democrat
11/21/2016 Petition seeks more time to file Hurricane Matthew-related flood insurance claims Florida Politics