Insurance Claim Navigator

Total loss

Your home is destroyed or damaged beyond economical repair — a total or constructive-total loss.

What this usually means for coverage
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How to read the coverage note
This is a plain-language, general read on how this kind of loss is usually treated in Florida — not a ruling on your specific policy. Your declarations page and endorsements decide what you actually bought. Informational only, not legal advice.

May trigger replacement-cost and law-and-ordinance coverage. Florida's Valued Policy Law can require the insurer to pay the full face value of the policy on a covered total loss of the structure.

Your documentation checklist
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How this checklist works
Check off each document as you gather it. Your progress, loss date, and notes are saved only on this device — nothing is uploaded or sent to your insurer. Refreshing the page keeps your work; clearing it removes it for good.

Saved on this device only

Documents gathered

What this percentage means

The share of the checklist you have marked as gathered (0 of 4). It is a completeness gauge, not a score of whether your claim will be paid.

Complete inventory of the structure and contents
Pre-loss condition evidence (older photos, appraisals, the listing photos)
A licensed contractor's rebuild estimate
Your full policy, including any endorsements and the declarations page

Date of loss

Why the loss date matters

Florida reporting windows run from when the damage happened. We show days elapsed so a looming deadline is impossible to miss. This date stays on your device.

Your private notes

Copy link shares only the claim type — never your checklist, dates, or notes. Those stay on this device.

Deadline — do not wait

Document everything BEFORE any cleanup or demolition and report immediately — once it is cleared, the proof is gone.

If this claim is denied, build your appeal here.

Verifiable record

guidance-receipt.log

$ navigator guidance --type total
claim_type : Total loss
issued_at  : 2026-08-06T03:26:50.722Z
sha256     : d59fa258c22acd37c929a843fce4c6da6dca2452dfebf2c97c9dbbf3d62f5144
status     : record sealed — informational only

This SHA-256 fingerprints the exact guidance you were shown, so you can prove later what you read and when. Nothing is sent to your insurer; nothing is stored about you.

Ask AI

AI can be wrong. Not medical, legal, or financial advice.

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.

Claim type

Your documentation checklist?How this checklist worksCheck off each document as you gather it. Your progress, loss date, and notes are saved only on this device — nothing is uploaded or sent to your insurer. Refreshing the page keeps your work; clearing it removes it for good.

Verifiable record

Ask AI

Your documentation checklist
?
How this checklist works
Check off each document as you gather it. Your progress, loss date, and notes are saved only on this device — nothing is uploaded or sent to your insurer. Refreshing the page keeps your work; clearing it removes it for good.