How to File a Hurricane Insurance Claim in Florida

Hurricanes are a common occurrence in Florida, but it’s important to understand the different responsibilities you have when filing for insurance. This article will cover how to file a hurricane insurance claim with your insurance company, which items should be included in your claim, and what processes might follow your claim depending on what happened.

What is Hurricane Insurance?

Hurricane insurance is a type of insurance policy that covers damage to homes, vehicles, and other property caused by hurricanes. There are two types of policies that Hurricane Insurance exists. These are wind insurance and flood insurance. Wind insurance covers the cost of repairing or replacing property damaged by wind, while flood insurance protects against flood-related damages experienced due to rain or snowstorms.

How to File a Claim

If a hurricane has caused damage to your home, you should file a claim with your insurance provider to have the damage repaired. In order to file a claim, you’ll need to provide documentation from professional contractors and insurance companies who have been working on the property.

What are the Terms of Insurance

If you have damage to your property from a hurricane, you can file for insurance reimbursement. The terms of Florida’s insurance policy are available on the Florida Insurance website. Hurricane insurance covers a lot of different types of events, including a hurricane. The terms of insurance will vary from company to company, but here are some general guidelines.

Tips for Filing Claims

Before the storm, homeowners should find out what their insurance company’s policy covers. For example, some insurance companies will cover belongings stored in garages and sheds. Others might cover damage to cars that are parked on the street.

Once the storm has passed, homeowners should file their insurance claim immediately with their insurance company instead of waiting for the storm to pass. This is crucial because many claims are legitimate and must be filed before they can be processed. If you’re filing an insurance claim after the disaster you must make sure to use your policy number for reference when you file your claim.


Some insurance companies will not pay out your claims if you do not use the proper forms. They may require you to list how you lost your property, provide repair estimates, and give them a list of replacement items. It is important to be prepared before filing for your hurricane insurance claims.


Dee is a well-respected business journalist with a deep understanding of global financial markets and a talent for uncovering the stories behind the numbers. With over 20 years of experience covering the business beat, Dee is known for his in-depth reporting and analysis of industry trends, as well as his ability to make complex financial concepts understandable to a wide audience.