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Need to File an Insurance Claim?

Report damage to your insurance agent or company immediately. Take photos and/or video to document damage and share with the company adjuster.

Contact Your Insurance Company ASAP

For assistance locating contact information for your insurance company, refer to the Office of Insurance Regulation's Hurricane Resources including:

Hurricane Isaias and Florida's Hurricane Deductible

Hurricane Isaias became a named hurricane by the National Hurricane Center on July 30, 2020 at 11:40 PM EST.

Your policy’s hurricane deductible will apply to claims involving loss or damage caused by a windstorm during a named hurricane. The duration of a hurricane in which the hurricane deductible would apply includes the time period:

  • Beginning at the time a hurricane watch or warning is issued for any part of Florida by the National Hurricane Center (Hurricane Isaias - July 31, 2020 at 11:00 AM EST); and 
  • Ending 72 hours following the termination of the last hurricane watch or hurricane warning issued for any part of Florida by the National Hurricane Center (Hurricane Isaias - August 5, 2020 at 05:00 AM EST).

Your policy’s hurricane deductible will apply to claims involving loss or damage caused by Hurricane Isaias between July 31, 2020 at 11:00 AM and August 5, 2020 at 5:00 AM.

Review the Division of Consumer Services' Florida Hurricane Deductible resources below to review specific Florida laws regarding when the Hurricane Deductible applies, for what duration of time and how many deductibles can be applied in a calendar year.

 

AFTER THE STORM

Fortunately, Hurricane Isaias was not as severe as initially predicted, but it still maintained high winds and heavy rain. If you have damage to your property as a result, file an insurance claim as soon as possible to start the recovery process.

For assistance understanding your insurance coverage or filing a claim, please call the Department of Financial Services’ toll-free Insurance Consumer Helpline at 1-877-693-5236.

 

Hurricane Wind and Flooding

Hurricane Recovery Checklist

There are some immediate, pertinent actions to take after a hurricane to secure your safety and to begin the insurance claims process as quickly as possible.

Disaster Recovery Checklist

For more actions to take to ensure you fully recover from Hurricane Isaias, please review the Disaster Recovery Checklist.
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MAKE EMERGENCY REPAIRS TO PREVENT FURTHER DAMAGE

Document the damage and repairs with receipts and photos or video. If you must discard damaged items because they pose a safety hazard, be sure to take photos or videos.

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ENSURE YOU HAVE ALL IMPORTANT CONTACT INFORMATION

Gather all important contact information such as banking and medical documentation including any medical supplies or equipment.

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KEEP TRACK OF ALL EXPENSES

Keep all receipts regarding any additional living expenses and any other out-of-pocket expenses that may be covered by your policy.

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KEEP YOUR INSURANCE COMPANY UPDATED

If you must leave your home because of the damage, let your insurance agent or company know your temporary address and phone number. They may need to reach you to ask additional questions or provide a status update on your claim. Take reasonable measures to properly secure your property and valuables from theft or vandalism if you vacate the home.

Streamline the Insurance Claims Process

RECALL THE DATE OF LOSS 
  • Be able to provide the company adjuster with the exact date that damage occurred. Having the approximate time the damage occurred will also be helpful.
KEEP DAMAGED ITEMS OR TAKE PICTURES AND/OR VIDEOS OF DISCARDED ITEMS
  • If it’s safe, keep damaged items so that the adjuster can inspect them. If an item is unsafe or unhealthy to keep at your home, take pictures/video and discard it properly.
UPDATE YOUR CONTACT INFORMATION
  • Ensure that your insurance company has updated contact information. If you must relocate, provide the temporary address and alternative phone number.
BE PREPARED TO PAY THE HURRICANE DEDUCTIBLE
  • You are responsible for the hurricane deductible before insurance payments will be made. Most insurance 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. You can locate the hurricane deductible on your insurance policy’s declaration page.
PROTECT AGAINST COVID-19
  • If you feel uncomfortable meeting with an adjuster in person, discuss inspection options with your insurance company. Some companies offer virtual inspections.

 

Hurricane Resources

 

Disaster Preparedness Resources

Hurricane Resource Library

View our Hurricane Resource Library for comprehensive disaster preparedness guides and toolkits to help you weather and recover from Hurricane Isaias. 

 

 

Local, State and Federal Resources

Chief FInancial Officer Jimmy Patronis' Insurance Consumer Helpline 1-877-MY-FL-CFO (693-5236)

Chief Financial Officer Jimmy Patronis' Insurance Consumer Helpline

1-877-MY-FL-CFO

(693-5236)

Speak directly with insurance specialists who can help you review your policies to understand your coverage, help you file claims for damage and offer assistance in the event that you are having trouble communicating with your insurance company.


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PrepareFL

Chief Financial Officer Jimmy Patronis' PrepareFL initiative provides information to assist consumers secure their property before a disaster and recover afterwards. 

 

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Division of Consumer Services Consumer Guides Library 

The Division of Consumer Services provides an extensive library of insurance resources to help consumers navigate the disaster process.

 

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American Red Cross

1-800-733-2727

Humanitarian organization that provides emergency assistance, disaster relief and disaster preparedness education.

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Federal Emergency Management Agency (FEMA)

1-800-621-FEMA (1-800-621-3362)
TTY: 1-800-462-7585

FEMA provides federal assistance before, during, and after disasters. To apply for disaster assistance, call the toll-free helpline or visit www.DisasterAssistance.gov

Go: Florida Division of Emergency Management

Florida Division of Emergency Management

The Division of Emergency Management's State Emergency Response Team (SERT) works to ensure that Florida is prepared to respond to emergencies, recover from them, and mitigate against their impacts.

State Assistance Information Line (SAIL)
1-800-342-3557

The State Assistance Information Line (SAIL) is a toll-free hotline activated at the time of an emergency to provide an additional resource for those in Florida to receive accurate and up-to-date information regarding an emergency or disaster situation impacting the State of Florida.

Florida County Emergency Management Directory

If you need supplies, such as food, water, or ice, please contact your county emergency management for the location of the nearest distribution center. Your county emergency management can provide up-to-date information about shelters and local distribution centers for food and supplies.

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National Flood Insurance Program (NFIP)

The NFIP offers flood insurance to help you protect the life you've built and recover more quickly after a flood. The NFIP also offers consumer education materials on flooding and flood insurance at www.floodsmart.gov.

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Small Business Administration Disaster Assistance Program

1-800-659-2955
TYY: 1-800-877-8339

The Small Business Administration (SBA) offers disaster assistance in the form of low-interest loans to businesses, renters, and homeowners located in regions affected by declared disasters.

 

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
Email: YourFLVoice@MyFloridaCFO.com

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