Florida resources
Free help from the state and nonprofits. These organizations can answer questions, mediate disputes, or take complaints about an insurer.
Note for contributors: every phone number and link below is a placeholder. Verify each one with the official source before launch.
| Organization | How they help | Contact |
|---|---|---|
| Florida Department of Financial Services (DFS): Division of Consumer Services | Insurance consumer helpline, help with complaints against insurers, and claim questions. | [PHONE] [URL] |
| Florida Office of Insurance Regulation (OIR) | Regulates insurance companies in Florida. Look up whether an insurer is licensed. | [URL] |
| DFS Mediation Program | Free or low-cost mediation for disputed property claims. | [PHONE] [URL] |
| Citizens Property Insurance Corporation | Florida's state-backed insurer. Claims line for Citizens policyholders. | [PHONE] [URL] |
| National Flood Insurance Program (NFIP) | Federal flood insurance claims. | [PHONE] [URL] |
| Florida Highway Safety and Motor Vehicles (FLHSMV) | Crash reports and driver and vehicle records. | [URL] |
| Florida legal aid organizations | Free legal help for eligible low-income residents. | [URL] |
Claim forms
Your insurer or agent may ask you to complete one of these standard ACORD forms when reporting a claim. Check with them first to confirm which form they need.
- Property Loss Notice (PDF)
- Auto Notice of Occurrence (PDF)
- General Liability Notice of Occurrence/Claim (PDF)
After a declared disaster
[PLACEHOLDER: FEMA assistance, disaster recovery centers, and emergency claim rules that apply after a declared emergency]