When damage happens to your home, it’s natural to want to fix things fast. But before you start clearing debris or calling a contractor, one move can make all the difference: call your insurance agent or insurance company first.
At The Windward Insurance Agency, we’re here to help you navigate the claims process with confidence. Whether it’s roof damage after a storm or a burst pipe in the middle of the night, following the right steps early on can save you time, money, and stress.
Here’s what to do – and why calling us first is the smartest place to start.
1. Start With a Call – Here’s Why It Matters
We get it. Your first instinct might be to call a roofer or start repairs yourself. But when it comes to how to submit a home insurance claim in Florida, calling your agent or insurance company first is key.
Why? Because:
- Some repairs require documentation before you touch anything. If you clean up or throw away damaged items too soon, it could complicate your claim.
- You might accidentally sign away your rights. Contractors may ask you to sign documents giving them control over your claim. Signing these can limit your options and lead to billing issues down the road.
- We can guide you from the start. Calling us means you’ll understand what’s covered, what to expect, and what steps to take next – so nothing slips through the cracks.
2. Document the Damage
Before any clean-up begins, take clear photos or videos of the affected areas. Be sure to capture:
- Structural damage (roof, walls, ceilings)
- Damaged personal belongings
- The overall scene (especially helpful for storms or fallen trees)
It’s also smart to write down the date and time the damage occurred, along with a brief summary of what happened. This creates a solid foundation for your claim.
Proper documentation is one of the most important steps in how to submit a home insurance claim in Florida, and it helps prevent delays during the claims review.
3. Prevent Further Damage – Safely
Most home insurance policies require you to take reasonable steps to prevent additional damage once something goes wrong. This could include:
- Tarping a roof to keep rain out
- Shutting off water if there’s a plumbing issue
- Moving undamaged items out of harm’s way
Be sure to save all receipts for materials or services you use during this temporary fix – these may be reimbursable.
4. Don’t Sign With a Contractor Just Yet
Even though Assignment of Benefits (AOB) agreements were banned in Florida in 2023, unscrupulous contractors may still try to get homeowners to sign documents handing over control of their insurance benefits. These forms may now be called Direction to Pay, Authorization to Negotiate, or may be hidden within a standard work authorization form. No matter what the document is called, don’t sign without understanding the fine print.
Signing these documents – often before your claim is even filed – can:
- Give the contractor control over your insurance payout
- Limit your ability to choose how and when repairs are done
- Lead to billing disputes, leaving you stuck in the middle
Call The Windward Insurance Agency first before signing anything. We’ll review the paperwork and make sure you’re protected.
Keep a Claims File
Staying organized can make your claims experience smoother from start to finish. Keep a physical or digital folder with:
- Photos and videos of the damage
- Receipts for repairs or temporary protection
- Copies of emails, letters, or texts from your insurer or contractor
- A log of phone calls, including dates and who you spoke to
This way, if questions come up later, you’ll have a clear record of everything – a smart move in how to submit a home insurance claim in Florida.
The Windward Insurance Agency Is Here to Guide You
Filing a home insurance claim can feel overwhelming, but you don’t have to go it alone. When you call The Windward Insurance Agency, you get more than just a policy. You get a team who knows the process, speaks the language, and will advocate for your best interests from start to finish.
Final Takeaway for How to Submit a Home Insurance Claim in Florida
The most important step in how to submit a home insurance claim in Florida?
Call your agent or insurance company before taking action. We’re here to walk you through what’s covered, help you avoid common pitfalls, and make sure your claim gets the attention it deserves.
Have questions or need to file a claim? Call The Windward Insurance Agency first at (866) 231-2433 – we’re here to help, every step of the way.
