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Tips and Advice

Advice When Filing a Homeowner Insurance Claim

The Florida statute listing homeowners’ rights when filing a claim also provides the following advice on dealing with claims:

  • Contact your insurance company before signing any contract for repairs.
  • Make emergency repairs that are needed to prevent further damage. Take photographs of the damage before and after any repairs, keep the damaged property, and hang on to all receipts for repairs.
  • If the damage necessitates leaving your home, let your insurance company know and be sure to secure your property and turn off the gas, water, and electricity.
  • Be careful with the contractors you choose to make repairs. Carefully read all contracts, confirm that contractors are licensed to do business in Florida, and require them to provide proof of insurance before they begin any repair work.