Florida Claims Guide
Florida Wind Damage Help
Wind damage can spread fast. Here is the simple plan for Florida.
- 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
Call your insurance company and ask for a claim number.
5
Keep receipts for repairs, materials, and temporary fixes.
What wind damage often includes
Lifted shingles, broken soffit, water entry at vents, fence damage.
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 Wind damage articles
In-depth guides and resources for Florida homeowners.
FAQs
Quick answers to common Florida Wind damage questions.
Is missing shingles a big deal?
It can become a leak fast. Document and cover.
What if a tree hit my home?
Photograph, prevent more damage, then remove safely.
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)