What do I do if
I'm too sick to handle my claim.
Illness or incapacity during claim handling.
I'm too sick to handle my claim.
Root cause
Why this happens
Illness or incapacity during claim handling.
Know the law
Your rights
Authorized representative can act on your behalf.
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
Designate written authorized representative
- 02
Step 2
Provide power of attorney if needed
- 03
Step 3
Engage public adjuster to manage claim
- 04
Step 4
Document medical necessity for delays
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Carrier wants an unrealistic repair timeline.
Carriers sometimes impose deadlines unsustainable for actual repair.
I need to move for work during my claim.
Life circumstances can force relocation during restoration.
Subrogation failed; I paid deductible for someone else's fault.
Subrogation sometimes fails due to evidence, statute, or defendant insolvency.
Tenant damaged property I rent; claim complications.
Rental damage coverage depends on lease and policy.
Short-term vacation rental guest damaged property.
STR platforms have damage coverage; homeowners may exclude.
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 626.854
Public adjuster.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Bill of Rights.
FS 626.9744
Matching.
Go deeper
Related resources
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Help Center
Common problems.
See also
Other common problems
My pet damaged someone else's property.
Another situation Florida policyholders face mid-claim.
My contractor walked off the job mid-repair.
Another situation Florida policyholders face mid-claim.
Mortgage won't release funds without licensed contractor certificate.
Another situation Florida policyholders face mid-claim.
I don't have a pre-loss inventory of my contents.
Another situation Florida policyholders face mid-claim.
I need to move for work during my claim.
Another situation Florida policyholders face mid-claim.
Catastrophic claim handling delays (variant 3).
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.
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