Florida Claims Guide
Florida Hail Damage Help
A free, simple resource center to help you handle hail damage in Florida—step by step.
- Built from official storm + insurance resources
- Plain words, clear steps, no fluff
- Updated often as rules and programs change
"Every Florida homeowner deserves fair treatment from their insurance company."
What to Do First
Follow these 5 essential steps immediately after the storm.
1
Make it safe. Stay away from down lines.
2
Stop more damage. Use a tarp if you can do it safely.
3
Take photos and video right away.
4
Write down dates and times.
5
Call your insurance company and ask for a claim number.
Note for Florida Home Owners
Even small hail can loosen shingles and cause slow leaks. Take photos now. Save receipts.
What to Photograph
Take these photos as soon as it’s safe. They help prove what happened.
Roof (all sides)
Gutters, downspouts, vents
Window screens, AC fins, exterior paint
Inside water stains (ceiling, walls)
Any broken items outside
Free Downloads to Keep You on Track
Printable checklists and guides to help you stay organized.
Storm Damage Photo Checklist
A quick checklist to help you document storm damage correctly and protect your insurance claim.
Storm Damage Insurance Claim Timeline
An easy-to-follow timeline showing key steps and deadlines in the storm insurance claim process.
Why Storm Damage Claims Get Stuck
Learn the common reasons storm damage claims are delayed or denied—and how to avoid them.
Do I Need an Attorney for My Storm Damage Claim
A simple guide to help you decide if legal help is necessary for your storm damage claim.
Florida hail damage articles
In-depth guides and resources for Florida homeowners.
- 8 min read
This comprehensive guide offers Florida homeowners a calm and structured approach to accurately document hail damage, helping them strengthen their insurance claims. By focusing on safety, meticulous record-keeping, and understanding …
- April 9, 2026
- 8 min read
This comprehensive guide assists Florida homeowners in effectively navigating the complex process of filing storm damage insurance claims. It emphasizes the importance of understanding insurance policies, documenting damage meticulously, and …
- April 9, 2026
- 8 min read
This guide outlines the essential requirements for filing hail damage claims in Florida, emphasizing the importance of timely documentation and understanding specific legal obligations to protect homeowners’ rights. It highlights …
- April 8, 2026
- 8 min read
This guide assists Florida property owners in effectively managing hail damage claims through a structured, step-by-step approach. It emphasizes the importance of understanding insurance coverage, prompt documentation of damage, and …
- April 7, 2026
- 8 min read
Understanding your rights and the procedural requirements under Florida law following hail damage to your property is essential for homeowners and business owners alike. This guide outlines the necessary steps …
- April 6, 2026
- 8 min read
This blog outlines essential documentation strategies for filing hail damage claims in Florida, emphasizing the importance of thorough evidence, such as photographs, written descriptions, and expert reports. It details the …
- April 5, 2026
FAQs
Quick answers to common Florida hail damage questions.
Do I have to fix it right away?
Fix safety issues first. Document before big repairs.
Should I sign a contractor paper at the door?
Don’t rush. Verify license and read everything.
What if the adjuster says no?
Ask what proof they need and how to appeal.
Get Florida storm checklists (free)
Short emails with clear steps and official resource links.
Helpful Resources
Florida & National resources to help with your storm damage claim
Florida Department of Financial Services Division of Consumer Services (insurance help + complaints)
- Helpline: (877) 693-5236 (FL) | (850) 413-3089 (out of state)
- Address: 200 East Gaines Street, Tallahassee, FL 32399-0322
Florida Department of Business and Professional Regulation (license checks + complaints)
- Phone: (850) 487-1395
- Address: 2601 Blair Stone Road, Tallahassee, FL 32399
Florida Office of Insurance Regulation
- Phones: (850) 413-3140
- Address: 200 East Gaines Street, Tallahassee, FL 32399
Florida Division of Emergency Management
- Phones: (850) 815-4000
- Address: 2555 Shumard Oak Blvd., Tallahassee, FL 32399-2100
National Resources
FEMA Disaster Helpline
- Phones: 1-800-621-3362 (TTY: 1-800-462-7585)
- Address: 500 C Street SW, Washington, DC 20472
Disaster assistance (apply + check status)
- Use: DisasterAssistance.gov (official FEMA portal)
U.S. Small Business Administration Disaster Assistance (loans + support)
- Phones: 1-800-659-2955 (TTY: 1-800-877-8339)
American Red Cross (shelter + supplies + reunification)
- 1-800-733-2767
- 431 18th St NW, Washington, DC 20006
211 (local help fast)
- Phone: Dial 2-1-1 (housing, food, shelters, local programs)