Insurance Claim Guides

Plain-English guides to property insurance claims from our licensed public adjusters. Each guide covers what to do first, the deadlines that apply, and what your options are if your insurance company delays, underpays or denies your claim.

Hurricane and Storm Claims

• What to Do After Hurricane Damage in Florida: first steps, Florida filing deadlines, insurer timelines, wind vs. flood, and what to do about a low offer.
• Hurricane insurance claims
• Storm damage insurance claims
• Flood insurance claims
• Roof damage insurance claims

Water, Fire and Other Claims

• Water damage insurance claims
• Fire insurance claims
• How to compile your personal property inventory
• All claim types

Understanding the Claim Process

• The insurance claim process
• Proof of loss help
• Should I hire a public adjuster?
• Insurance appraisal and umpire services
• Claims FAQ

Claim Help by Insurance Company

Deadlines, dispute options and contacts for policyholders with these insurers:

• Citizens Property Insurance claim help (Florida)
• State Farm claim help (Florida and Texas)
• Universal Property & Casualty claim help (Florida)
• Allstate and Castle Key claim help (Florida and Texas)
• TWIA windstorm claim help (Texas coast)