Claim Process
From the first phone call to the final check. Every step.
Seven stages, in order. Click any stage to read what to do, what to expect, and where most claims go sideways.
The full sequence
Every Florida property claim, in order.
- 1Step 1Pre-Loss
Policy review before you ever file a claim.
- 2Step 2FNOL
First Notice of Loss — the call that starts the clock.
- 3Step 3Inspection
When the carrier adjuster arrives.
- 4Step 4Estimating
The scope and amount negotiation.
- 5Step 5Settlement
The offer and the negotiation.
- 6Step 6Dispute
When you and the carrier disagree.
- 7Step 7Closing
Repairs complete. Depreciation released.
By phase
Skip ahead to the phase you are in.
Not everyone reads from step one. If you already filed, jump to filing & evaluation. If the carrier just made a lowball offer, jump to negotiation & resolution.
Before a claim
What to do before anything goes wrong.
Filing & evaluation
Open the claim and document the loss.
Negotiation & resolution
Reach a settlement — or fight for one.
Completion
Repairs done. Final dollars released.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.