Plan Prepare Protect - Step 1: PLAN
Plan Circle

Planning is the first step to being ready for a disaster.

Take time now to review your insurance policy and other applicable insurance resources. Research to learn more about the insurance professionals involved in the claims process, your hurricane deductible and your rights.
Storm Moving in Over Miami Beach

Review Your Insurance Policies

  • Review your homeowners’, renters’, automobile and other insurance policies to ensure that you understand your coverage, including if food spoilage is covered. If you have questions about your coverage, contact your insurance agent.
  • The Department of Financial Services’ Division of Consumer Services’ Consumer Guides Library includes insurance toolkits on each type of insurance:

Understand Your Hurricane Deductible


    Review the Department’s Hurricane Deductible Guide to learn more.
    • Be sure you know how much you will be responsible for if you incur damage from a hurricane. This is called your hurricane deductible. Most policies have a hurricane deductible of 2 to 5 percent of a home's insured value; some are a set amount such as $2,000. Contact your insurance agent to discuss your hurricane deductible and determine if you are eligible for a lower deductible.

      Know the Difference Between a Public Adjuster and a Company Adjuster

      Public Adjuster
      • Following a disaster, a Public Adjuster may contact you to help with filing an insurance claim and represent your insurance interests to your insurance company.
      • Public Adjusters work directly for you and charge a fee based on the percentage of the claim settlement.
      • They will require you to sign a contract. Ensure the contract includes all of the required information.

      To learn more about your rights when working with a Public Adjuster, review our helpful guide:  Working With A Public Adjuster: Your Consumer Rights.

      Company Adjusters
      • Company Adjusters work for the insurance company and determine the amount of property damage and what is covered by your policy.
      • Company Adjusters do not charge a fee.
        Both Company Adjusters and Public Adjusters must be licensed by the state and should be able to present a copy of their license.
        • If you have questions regarding an adjuster’s license or the contract, contact the Department’s Insurance Consumer Helpline at 1.877.693.5236.


        Learn About an Assignment of Benefits (AOB)

        • An Assignment of Benefits (AOB) is a legal contract that allows you as the policyholder to transfer your insurance rights to a third-party, such as a contractor. The third-party then has rights to the insurance claim and can stand in your shoes as the policyholder.

        The third-party can:

        • be paid directly for services
        • endorse checks on your behalf
        • communicate directly with the insurance company without your consent or involvement
        • file a lawsuit against your insurance company

        Know Your Rights and Responsibilities




        Consider Flood Insurance

        • Most homeowners insurance policies do not cover damage caused by flood and you may need a separate policy. Review the flood claims process in the event you must file a claim.


        Flood Claims Process Guide with Flood Storm Photo

        Flood Insurance - Anywhere It Rains, It Can Flood: The Importance of Flood InsuranceFlood Insurance: Anywhere It Rains, It Can Flood

        Learn the importance of having flood insurance coverage in Florida, even if your home is not located in a flood zone. 

        Spanish  |  Creole

        Flood Insurance - Myths & Facts Guide

        Flood Insurance: Myths & Facts

        Flood Insurance myths and the facts that disprove them to ensure you have properly protected one of your greatest assets.   

        Spanish Creole


        Flood Insurance - Know What To Do After A Flood Guide

        Flood Insurance: Know What To Do After A Flood

        Guidance and direction regarding flooding, the flood insurance claims process, and resources to obtain additional flood information.

        Spanish  |  Creole


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        Contact the Office of the Insurance Consumer Advocate

        Office of the Insurance Consumer Advocate
        200 East Gaines Street, Tallahassee, FL 32399
        Phone: (850) 413-5923

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