File Your Florida Fire Damage Claim Fast
Step-by-step guidance to help Florida homeowners document fire damage, navigate insurance requirements, and maximize their claim payout.
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FAQ
What are the first steps I should take after a house fire in Florida before filing my insurance claim?
Immediately after the fire is extinguished and authorities clear you to return, prioritize safety by not entering until the structure is deemed safe. Document all damage thoroughly with photos and videos before touching anything. Contact your insurance company within 24–48 hours to report the loss, as most Florida homeowner policies require prompt notification. Secure the property with tarps or boarding to prevent further damage, and keep all receipts for emergency expenses like hotel stays and meals, as these may be reimbursable under your Additional Living Expenses (ALE) coverage.
How long does a Florida insurance company have to settle a fire damage claim?
Under Florida Statute 627.70131, insurance companies must acknowledge your claim within 14 days of receiving notice. After you submit a complete proof-of-loss statement, the insurer has 90 days to pay or deny the claim. If the insurer fails to meet these deadlines without good cause, they may be liable for interest penalties. If you believe your claim is being unreasonably delayed or underpaid, you have the right to hire a licensed public adjuster or an attorney specializing in Florida property insurance disputes.