How to File a Hurricane Insurance Claim in Florida (Step-by-Step)

Florida hurricanes can leave behind tens of thousands of dollars in damage in a matter of hours. How you handle the first 72 hours after the storm has an outsized effect on your final claim payment. Here’s the playbook our licensed Florida agents share with every client.

1. Ensure Safety First

Do not enter a damaged structure until authorities have cleared the area. Watch for downed power lines, gas leaks, and standing water. Insurance can replace property — it cannot replace lives.

2. Document Everything Before You Touch It

Take photos and video of every damaged area before you move, repair, or discard anything. Capture wide shots and close-ups. If you have pre-storm photos of your property, retrieve those too — comparison documentation is invaluable during a claim.

3. Make Temporary Repairs to Prevent Further Damage

Your policy requires you to mitigate further damage. Tarp the roof, board up broken windows, and move undamaged contents to dry storage. Keep every receipt — these costs are typically reimbursable under your policy.

4. Contact Your Insurance Carrier Immediately

Call the claims hotline as soon as it’s safe. Florida law gives you up to one year to file, but the earliest claims get assigned adjusters first and resolved faster. Get your claim number in writing.

5. Understand Your Hurricane Deductible

Florida hurricane deductibles are typically 2%–10% of your dwelling coverage — not a flat dollar amount. On a $400,000 home with a 5% hurricane deductible, you’ll owe $20,000 before insurance pays. Plan accordingly with an emergency fund.

6. Don’t Sign Anything from Roofers or Contractors Without Reading It

“Assignment of Benefits” (AOB) forms transfer your claim rights to the contractor. While sometimes useful, they have also fueled billions in litigation costs in Florida. Have your insurance agent review any AOB before you sign.

7. Keep a Claim Journal

Record every phone call: date, time, name of representative, and what was discussed. Follow up every verbal commitment with an email to create a paper trail.

8. Request a Public Adjuster If Needed

If your carrier’s offer seems low, a licensed public adjuster works on your behalf (for a percentage of the settlement). For large losses, this often results in significantly higher payouts.