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Public adjuster, attorney or appraisal?
Compare claim documentation, legal help and appraisal in Florida. Understand who does what, possible costs and the questions to ask before hiring.
Read the guideHomeowner resources
The homeowner’s claim library.
Plain-language guides to property damage, insurance decisions, and the questions worth asking. Start with what you need today.
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21 guides
Claim decisions
Denied roof claim in Florida: what next?
Review a denied Florida roof claim: read the decision, organize roof and interior evidence, compare estimates and choose an appropriate next step.
Read the guideClaim decisions
How long does a Florida insurance claim take?
Understand Florida’s 7-, 30- and 60-day insurer clocks, what starts each period, why claims can remain open and how to follow up on a delay.
Read the guideGetting started
What does a public adjuster do?
Learn how a public adjuster inspects damage, prepares an insurance claim, and represents the policyholder. Understand the role before you hire.
Read the guideGetting started
Who does your adjuster work for?
Understand the difference between a public adjuster, an insurance company adjuster, and an independent adjuster on a Florida property claim.
Read the guideGetting started
What does a public adjuster cost?
Understand Florida public adjuster fee limits, special 1% and 0% rules, written agreements, and cancellation rights before signing.
Read the guideGetting started
How to file a property insurance claim
Prepare for a Florida property insurance claim: record the damage, notify your insurer, keep documents, and understand the next steps.
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Storms & preparation
What to do after the storm
What to do after storm damage: start with safety, document the loss, keep repair records, and understand your Florida property claim.
Read the guideStorms & preparation
Prepare your home before a hurricane
Prepare property records, photographs, insurance information, and a practical hurricane checklist before a storm threatens your Florida home.
Read the guideGetting started
How to document property damage
Build a useful property damage record with photos, room-by-room notes, dates, receipts, and repair documentation for your insurance claim.
Read the guideClaim decisions
Florida claim deadlines, explained
Understand Florida claim notice windows, insurer response timeframes, exceptions, and which dates to record. Includes current statutory sources.
Read the guideClaim decisions
Your claim was denied. What now?
Read the denial letter, review the policy and evidence, and understand possible next steps for a denied Florida property insurance claim.
Read the guideClaim decisions
When an insurance offer seems too low
Compare the insurer’s estimate with documented repair costs and damage scope. Learn what to review before responding to a property claim offer.
Read the guideClaim decisions
Understand the insurance inspection
Understand common disagreements about damage scope, estimates, depreciation, and claim documentation so you can ask clearer questions.
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Damage & coverage
Understanding water damage claims
Learn how water damage source, timing, documentation, and policy language affect a Florida property claim for leaks or sudden water loss.
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Damage & coverage
Understanding roof damage claims
Understand roof damage documentation, repair scope, insurance inspections, and common claim questions for Florida property owners.
Read the guideDamage & coverage
Mold damage and your Florida policy
Understand how the moisture source, policy terms, limits, and documentation can affect a mold-related Florida property insurance claim.
Read the guideDamage & coverage
Sinkholes and ground movement
Understand sinkhole warning signs, coverage distinctions, professional evaluation, and documentation for Florida property claims.
Read the guideProperty types
A guide to commercial property claims
A practical guide to documenting building damage, business property, and operational impacts in a Florida commercial insurance claim.
Read the guideProperty types
Condo and HOA property claims
Understand unit-owner and association responsibilities, separate policies, and documentation in Florida condo and HOA property claims.
Read the guideProperty types
Understanding a Citizens property claim
Understand the records, coverage questions, inspection process, and next steps to discuss when handling a Citizens property insurance claim.
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