I’m not sure I have an insurance claim. Should I file one anyway?
Yes, according to the head of one of Florida’s largest insurers. “File a claim. It won’t count against you,” Security First Insurance founder and president Locke Burt told the South Florida Sun-Sentinel. Even if a claim is fairly minor — a broken window, for instance — and won’t exceed a policyholder’s annual hurricane deductible, you should still report that damage, Burt said. Why? Because we’re not to the end of the hurricane season yet. If there’s another hurricane this year, then together your claims from both storms might top your deductible and then you could be reimbursed.
Contact your property insurance company.
You should call your insurance company first to avoid any companies attempting to scam you. The contact information should be on your insurance documents, but if it’s not and you need help finding the company’s website and claims phone number, click here. If you aren’t sure where to start, or have questions about the claims process, call the Florida Department of Financial Service’s insurance consumer hotline at 877-693-5236.
It is important to document all damaged property and belongings. A free smartphone app developed by the National Association of Insurance Commissioners called “MyHome Scr.APP.book” is available to assist with photo documentation.