Dealing with property damage in Florida can be stressful, especially when hurricanes, floods, or fires strike unexpectedly. Filing an insurance claim correctly is crucial to ensure you receive the compensation you deserve. Yet many property owners unknowingly make critical errors that delay or reduce their settlement. Here are the top 5 mistakes Florida property owners make when filing an insurance claim—and how to avoid them.
1️⃣ Waiting Too Long to Report the Damage
Florida insurance policies typically require timely notification of a loss. Waiting too long can give your insurance company reason to deny or limit your claim. Always report damage as soon as possible and document the date and time you made the report.
2️⃣ Failing to Document the Damage Properly
One of the biggest missteps is not thoroughly documenting the damage. Take clear, date-stamped photos and videos of all affected areas. Keep records of temporary repairs and expenses. Lack of evidence weakens your claim.
3️⃣ Making Temporary Repairs Without Proper Documentation
While it’s smart to prevent further damage, you must document everything before making repairs. Insurance companies may deny coverage if repairs are done without proof of the original damage. Always get professional estimates and keep all receipts.
4️⃣ Giving Incomplete or Inaccurate Information
Small errors in your claim form or during adjuster interviews can create delays or outright denials. Be thorough and truthful when describing the extent of damage and value of lost property.
5️⃣ Not Hiring a Public Adjuster
Many Florida property owners try to handle claims alone and miss out on a fair settlement. A licensed public adjuster works exclusively for you, not the insurance company. They ensure your claim is fully documented, valued properly, and negotiated for the highest possible payout.
🏆 Final Thoughts
Avoiding these common mistakes can dramatically improve your insurance claim outcome. If you’re unsure about any step in the process, consult with a Florida public adjuster. They can maximize your settlement and minimize the stress of dealing with your insurance company.
👉 Don’t let costly errors hurt your recovery. Call a public adjuster today to get the help you need!
I am a Licensed Public Adjuster Apprentice in Florida under the supervision of Jacob Moss at Florida State Public Adjusters, Inc. I bring over 20 years of experience in construction project management and disaster recovery. As a Senior Project Manager with the U.S. General Services Administration (GSA), I led major federal building renovations and infrastructure upgrades. With the U.S. Small Business Administration (SBA), I conducted over 500 disaster damage assessments after major hurricanes. I now assist Florida property owners in documenting losses and preparing insurance claims to help secure fair settlements under licensed supervision.