Florida insurance claims, explained

Filing an insurance claim shouldn't be confusing.

Step-by-step guides for auto and home claims in Florida, plus the free help you can turn to if something goes wrong.

Choose your claim type

What kind of claim are you filing?

Auto insurance

Accidents, PIP (no-fault) coverage, vehicle damage, and theft.

Auto claim guide

Home & property

Hurricane, wind, water, and fire damage to your home or belongings.

Home claim guide

The basics that apply to every claim

  1. Read your policy

    Know what's covered, your deductible, and any deadlines for reporting a loss.

  2. Report the claim promptly

    Contact your insurer as soon as possible. Write down your claim number and the name of everyone you speak with.

  3. Document everything

    Keep photos, receipts, bills, reports, and copies of every letter and email.

  4. Follow up and know your options

    If your claim is delayed or denied, reach out to your agent to better understand your options. See resources.