After storm damage, keep your family safe, prevent further damage, document everything with photos, and report the claim to your insurance company promptly. Florida law sets deadlines for reporting claims, so do not wait. Your broker can help you understand your coverage and what to expect from the adjuster.
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Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
What should I do first after storm damage?
Make sure everyone is safe. Then take reasonable steps to stop more damage, such as tarping a roof or covering broken windows, and keep receipts for those costs.
Take photos and video of all damage before cleanup when it is safe to do so.
How soon do I have to report a claim in Florida?
Florida has set time limits for reporting property claims, and recent law changes have shortened them. Report the loss as soon as possible to protect your rights.
Call your carrier’s claims line or use its app, and write down your claim number and adjuster’s contact information.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
What happens when the adjuster comes?
Walk through the damage with the adjuster and share your photos, receipts and any contractor estimates. Ask questions if anything is unclear.
Review the settlement and your deductible carefully. If you have questions about the coverage, call us before signing anything.
Frequently Asked Questions
Should I sign with a contractor right away?
Be cautious with contractors who show up after storms. Check licenses and do not sign over your benefits without understanding the terms.
Does my policy pay for a hotel?
If your home is unlivable after a covered loss, loss of use coverage can help pay for temporary housing.
What if I disagree with the settlement?
Ask your carrier to explain the decision in writing, and call your broker to review options.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
