How to File an Insurance Claim in Florida

Find your carrier below, call its claims line or report the loss online, and use Florida's deadlines to protect your payout. American US Insurance clients get an agent's help at every step.

Get A Free Quote → Find Your Carrier ↓

After a minor fender bender on a Florida street, a driver calls in the claim while another photographs the damage beside a warning triangle.

How do you make a claim on your insurance policy?

Report the loss to your insurance company as soon as you can, by its claims line, app or online form, with your policy number ready. Photograph the damage, prevent further damage, keep receipts and meet the adjuster. The carrier assigns the claim number and the adjuster, and your agent can help you through each step.

Steps to Report a Car, Home or Business Claim

Get safe first. Call 911 if anyone is hurt, and after a car crash ask the police for the report number.
Document everything: photos and video of the damage, the other driver's name, plate and insurer, and any witness contacts.
Report the claim to your carrier using the directory below, with your policy number and the date, time and place of the loss.
Prevent more damage, such as tarping a roof or shutting off water, and keep every receipt. Your policy expects reasonable steps to protect the property.
Meet the adjuster, keep a log of every call and email, and call us if the claim stalls.

Insurance Claim Phone Numbers by Carrier

Every link below opens the carrier's own claims page in a new tab. Don't see your company? Call us at (800) 868-9170 and we'll find the right number.

What to Do After a Car Accident in Florida

Florida's no-fault system shapes the first days after a crash. Your own personal injury protection, or PIP, pays first for your injuries, up to $10,000 in medical and disability benefits, no matter who caused the accident.

To keep those benefits, get initial medical care within 14 days of the crash. If a doctor does not find an emergency medical condition, PIP pays up to $2,500. Report the crash to your carrier promptly, even if the other driver offers to pay.

Fault decides who pays for vehicle damage and for injury claims above PIP, which is why photos, witness names and the police report matter. Our auto insurance page explains each Florida coverage.

How Long Do You Have to File an Insurance Claim?

For home and other property claims, Florida law sets firm deadlines. Notice of a new or reopened claim must reach your insurer within 1 year of the date of loss, and notice of a supplemental claim within 18 months.

The insurer has deadlines too. It must acknowledge your claim within 7 days, begin its investigation within 7 days of receiving proof of loss and pay or deny the claim within 60 days of notice.

Auto policies call for prompt notice rather than a fixed number of days, and PIP benefits depend on the 14-day treatment rule. Waiting rarely helps: evidence fades and repair costs climb.

Is American US Insurance my insurance company?

No. American US Insurance is an independent agency in Miami that places your policy with one of 150+ A-rated carriers. Your insurance company pays the claim. We explain your coverage, connect you with the right claims line and follow up with the adjuster when your claim needs a push.

Compare Coverage Before Your Next Claim

A claim is when coverage gaps show up. Get free quotes from 150+ A-rated carriers on the protection you actually need.

First name Last name

Phone Email address

What do you need to insure?

Tell us more — vehicles, property, drivers, current coverage…

By checking this box, I agree to receive automated text messages from American US Insurance regarding insurance quotes, policy updates, and customer service at the phone number provided. I understand that consent is not a condition to purchase any goods or services. Message frequency varies. Message and data rates may apply. Reply STOP to cancel and HELP for help. View our Terms of Service and SMS Privacy Policy.

Common Questions

Florida Insurance Claim Questions

Does homeowners insurance go up after a claim?

It can. Carriers price renewals partly on claims history, and a paid claim, sometimes even a reported one, can count against you for several years. Weather losses often weigh less than water or liability claims, but the rules vary by carrier. For a small loss near your deductible, weigh the payout against that long-term effect before you file.

How long does a home insurance claim take in Florida?

Florida law sets the clock. Your insurer must acknowledge the claim within 7 days, start investigating within 7 days of receiving proof of loss, and pay or deny it within 60 days of notice. Simple claims often close sooner, while large storm claims can use the full window.

Who gets the home insurance claim check, me or my lender?

If you have a mortgage, the check for damage to the house is usually made out to you and your lender together, because the lender is named on the policy. You endorse it and follow the lender's process to release funds for repairs. Payments for belongings and living expenses usually go to you alone.

What is the Florida 14-day rule after a car accident?

To use your personal injury protection, you must get initial medical treatment within 14 days of the crash. PIP provides up to $10,000 in medical and disability benefits, but only $2,500 when a doctor does not find an emergency medical condition. Missing the 14-day window can cost you those benefits.

Is Florida an at-fault state for car accidents?

Florida is a no-fault state for injuries up to your PIP limit: your own policy pays first, whoever caused the crash. Fault still decides property damage and injury claims above PIP. Since March 2023, Florida uses modified comparative negligence, so a person found more than 50% at fault for their own harm cannot recover damages.

What should I do if my insurance claim is denied?

Ask the carrier for the denial in writing, with the policy language it relies on, and compare it with your policy. You can send more evidence or ask for a review. For property claims, the Florida Department of Financial Services runs mediation programs and a consumer helpline at 1-877-693-5236. Call your agent before you decide on next steps.

Can American US Insurance help me file an insurance claim?

Yes. From the first call, we confirm which policy applies, tell you which photos and documents to gather, explain your deductible and limits, and follow up with the adjuster if your claim stalls. Your insurance company opens the claim and assigns the claim number, so you can also report it directly with the directory on this page.

Do I call my agent or my insurance company after a loss?

Call your insurance company first to open the claim, using the directory on this page. Then let your agent know, especially after a large loss, a liability claim or a crash with injuries, so we can explain your deductible, your limits and the next steps.

Customer Support Make an Insurance Payment Contact