After a storm, a well-documented claim moves faster. Use this checklist — and call us; we’ll help you report the claim and explain what to expect.
Before the storm
- 1Photograph or video every room, your roof and your exterior.
- 2Store your policy and our phone number somewhere you can reach without power.
- 3Know your hurricane deductible so there are no surprises.
Right after the storm
- 1Stay safe — avoid downed lines and standing water.
- 2Document everything — photos and video before any cleanup.
- 3Prevent further damage — tarp roofs, board openings and keep receipts; reasonable emergency repairs are typically reimbursable.
- 4Report the claim — call your carrier or us as soon as you can.
- 5Keep a log — every call, adjuster visit and expense.
Florida claim deadlines
Under Florida law, notice of a new or reopened property claim must be given within one year of the date of loss, and a supplemental claim within 18 months. For hurricanes and windstorms, the date of loss is the date of landfall (or the date the National Hurricane Center or National Weather Service verifies the event). Report as early as possible — don’t wait for the deadline.
Wind vs. flood
Wind damage is claimed on your home or condo policy. Water from storm surge or rising water is a flood claim filed under a separate flood policy. If you have both types of damage, you’ll likely file two claims.
Frequently asked questions
Should I make repairs before the adjuster arrives?
Make reasonable temporary repairs to prevent further damage — and photograph everything first. Hold off on permanent repairs until your claim is reviewed.
What if I have both wind and flood damage?
You’ll typically file a wind claim with your property insurer and a flood claim with your flood insurer. We can help you coordinate both.
Questions about your policy?
Our Palm City agents will walk you through it — no obligation.
More guides
Sources: Florida Statutes §627.70132 — notice of property insurance claim. This guide is general information, not legal advice; your policy language controls your coverage. Last reviewed 2026-10-19.