Coverage · Documentation · Appeal
Insurance Claim Navigator
the district office · FL-01 · former Florida CFO · Born Between 2 Generals Born Between 2 Generals
Pick your claim type for a plain-language read on coverage, the documentation to gather, and the deadlines that matter. If you have already been denied, jump straight to a step-by-step appeal path.
What happened to your property?
- Hurricane / wind damage
Damage caused by hurricane winds, named-storm gusts, or wind-driven debris to your roof, structure, or interior.
- Sudden water (roof / pipe / appliance)
Water damage from a sudden, accidental source — a burst pipe, a failed water heater, or storm water entering through a wind-opened roof.
- Flood (rising water)Separate policy
Damage from rising surface water, storm surge, or overflow — water that comes up from the ground rather than down through your roof.
- Total loss
Your home is destroyed or damaged beyond economical repair — a total or constructive-total loss.
- Sinkhole / ground collapse
Structural damage from sinkhole activity or a sudden collapse of the ground beneath your home — a recognized Florida-specific peril.
Already denied?
A denial is not the end of the road. Pick the reason your insurer gave and get concrete next steps.
Informational, not legal advice. Every policy is different — read your own declarations page and, for a disputed or high-value claim, talk to a licensed public adjuster or attorney. This tool does not contact your insurer or store your claim.