State Overview
Florida
Storm Damage Claims (Hail, Wind, and Hurricane)
Florida hurricane and storm claim steps. Simple checklist, proof tips, and official Florida + national resources.
A simple “clean claim” workflow
Follow these steps to file a storm damage claim in Florida.
1
Take photos before you move anything.
2
Make a short damage list (roof, rooms, items).
3
Start your claim and save the claim number.
4
Keep every email and every name you speak with.
5
Track spending if you must leave home (save receipts).
Florida-specific trouble spots
Insurance companies often use these strategies to minimize hail damage claim payouts in Florida. Knowing what to expect can help you protect your claim.
Roof leaks that start small and grow.
Water damage that spreads behind walls.
Repairs started too early with no proof.
Confusion about what is roof vs interior vs flood.
If you only do one thing, Make a folder (phone + email) called “Storm Claim.” Put everything in it. This alone prevents a lot of stress later.
Florida is a hurricane state
In Florida, storms can bring roof damage, water intrusion, and long power outages. After a major storm, claim volume can surge. That means your paperwork matters even more.
Explore by Storm Type
Different storms cause different types of damage. Learn about the claims process specific to your situation.
Hail Damage
Roof damage, dented vehicles, broken windows, and damaged siding from hailstones.
- Learn More
Wind Damage
Missing shingles, fallen trees, structural damage from high winds and tornadoes.
- Learn More
Hurricane Damage
Comprehensive damage from wind, rain, flooding, and storm surge from hurricanes.
- Learn More
Read Articles
Free guides to help you understand and manage your storm damage claim.
Helpful Resources
Florida & National resources to help with your storm damage claim
FLORIDA — Insurance Consumer Help
Florida Department of Financial Services (DFS) / Division of Consumer Services
- 1-877-693-5236
- 200 East Gaines Street, Tallahassee, FL 32399
- Visit Website
FLORIDA — Emergency Management
Florida Division of Emergency Management (FDEM)
- 850-815-4000
- 2555 Shumard Oak Boulevard, Tallahassee, FL 32399-2100
- Visit Website
FLORIDA — Large State Insurer (Common After Storms)
Citizens Property Insurance Corporation
- 866-411-2742
- Visit Website
FLORIDA — Insurance Regulation
Florida Office of Insurance Regulation (OIR)
- (850) 413-3140
- 200 East Gaines Street, Tallahassee, FL 32399
- https://floir.com/
FEMA Disaster Assistance
- 1-800-621-3362
- https://www.sba.gov/funding-programs/disaster-assistance
SBA Disaster Assistance
- 1-800-659-2955
- https://www.sba.gov/funding-programs/disaster-assistance
Flood insurance info
- 1-877-336-2627
- https://www.floodsmart.gov/
American Red Cross
- 1-800-733-2767
- https://www.redcross.org/
Weather alerts (National Weather Service)
Hurricane tracking (National Hurricane Center)
Florida FAQs
Answers to common questions about storm damage insurance claims in Texas.
What should I do first after hurricane damage?
Take photos, prevent more damage safely, then start the claim.
Do I need a claim number?
Yes. Write it down and use it every time you call.
What if water damage spreads later?
Document it right away and tell your insurer quickly.
Where can I get official Florida insurance help?
DFS Division of Consumer Services can help guide consumers.
Where can I track storm updates?
Use the National Weather Service alerts and the National Hurricane Center.
Need Guidance?
If you have questions about your storm damage claim or need help understanding your options, we’re here to help point you in the right direction.