Insurance Claim Navigator

Built for Rep. Jimmy Patronis · U.S. Representative (FL-01) (R) · Former FL CFO

A plain-language guide to property-insurance claims — what's covered, how to document, deadlines, and how to fight a denial.

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Free help · no cost

Florida DFS Insurance Consumer Helpline — Free help filing, understanding, or disputing a claim. No cost, no obligation.

Call 1-877-MY-FL-CFO

What kind of loss are you dealing with?

Roof, siding, windows, or interior damage caused by hurricane or windstorm.

Hurricane / wind damage

Generally covered

Wind is a covered peril on a standard Florida homeowners (HO-3) policy. Hurricane losses are paid after your separate hurricane deductible is met — that deductible is a percentage of your dwelling coverage, not a flat dollar amount.

Watch out: Wind-driven RAIN that enters through a wind-created opening is usually covered. Rain or water that enters an already-failing roof, or rising water, is not. The cause of entry decides the claim.

Your deductible

Hurricane deductible: typically 2% of dwelling (Coverage A). On a $400k home that is ~$8,000 before payment begins.

Good to know

Your hurricane deductible applies once per hurricane season, not per storm.
Get the carrier's estimate in writing and compare it line-by-line to your contractor's.

Documentation receipt · SHA-256

on this device only

insurance-claim-navigator · checklist.log

# insurance-claim-navigator · documentation receipt

# Pick a claim type, check off the documents you have gathered,

# then Seal the checklist to write a SHA-256 receipt here.

Informational only — this is not legal or insurance advice and does not create an attorney/client or agent relationship. Coverage depends on your specific policy; read your declarations page and policy language, and confirm any deadline with your carrier or the Florida Department of Financial Services. Florida figures (Fla. Stat. §§627.70131, 627.70132, 627.702) reflect post-2022 reform and may change.

Showcase demo for the America's Future 80th Anniversary Summit. Showcase · best home: Nonprofit / first-responder mission. Seeded with realistic sample data; runs payment-dark (no billing). Not a production system.