What do I do if
The driver who hit my house was uninsured.
No uninsured-motorist coverage exists for homes (only auto). Your homeowners policy responds.
The driver who hit my house was uninsured.
Root cause
Why this happens
No uninsured-motorist coverage exists for homes (only auto). Your homeowners policy responds.
Know the law
Your rights as a Florida policyholder
Your homeowners covers the damage regardless of driver coverage. Subrogation may or may not recover your deductible.
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.
What to do
Solution steps
- 01
Step 1
File on your homeowners policy
- 02
Step 2
Provide police report documenting driver's lack of insurance
- 03
Step 3
Accept that deductible may not be recovered via subrogation
- 04
Step 4
Small claims court against the driver if you wish
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
The carrier is delaying inspection of my fire damage.
Carrier backlog, complex causation investigation, or subrogation issues can delay fire inspections.
My ALE is capped too low to cover extended-stay housing.
ALE (Coverage D) is typically 10-20% of Coverage A. If your home is uninhabitable for a long time, the cap may be insufficient.
Carrier-selected sinkhole testing minimized the damage.
Carrier-selected geotechnical firms may find less damage than independent firms.
The carrier's sinkhole repair plan is inadequate.
Compaction grouting is the cheapest option. Underpinning or demolition-rebuild may be more appropriate depending on severity.
Citizens Property Insurance took over my policy from an insolvent carrier.
When Florida carriers become insolvent, Citizens or FIGA absorbs policies.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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.
Know the law
Relevant statutes
FS 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
See also
Other common problems
My carrier reduced my coverage at renewal without asking.
Another situation Florida policyholders face mid-claim.
Insurance claim pending after home sale.
Another situation Florida policyholders face mid-claim.
ALE in different city because home uninhabitable.
Another situation Florida policyholders face mid-claim.
Mortgage servicer disbursement dispute (variant 2).
Another situation Florida policyholders face mid-claim.
Multi-event damage allocation dispute (variant 2).
Another situation Florida policyholders face mid-claim.
Storage for damaged contents not reimbursed.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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.
Florida claim updates
One email a month. No fluff.
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more