What do I do if
Tree fell on my car. Homeowners says auto. Auto says homeowners.
Vehicle damage at home is an auto comprehensive claim, not homeowners.
Tree fell on my car. Homeowners says auto. Auto says homeowners.
Root cause
Why this happens
Vehicle damage at home is an auto comprehensive claim, not homeowners.
Know the law
Your rights as a Florida policyholder
File on your auto comprehensive coverage for the vehicle. File on homeowners for the house. Both claims proceed in parallel.
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
Open auto comprehensive claim for the vehicle
- 02
Step 2
Open homeowners claim for the house
- 03
Step 3
Keep the two separate in documentation
- 04
Step 4
Do not let homeowners adjuster include vehicle in their scope
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 pushing for a recorded statement.
Recorded statements become the canonical version of events. Carriers use them to lock in your story before you've documented fully.
Someone hit my house and fled.
No identifiable at-fault party means no subrogation target.
My neighbor's tree fell on my house. Whose insurance?
Confusion about tree-owner liability is common.
My insurance company won't return my calls.
Non-responsiveness is sometimes organizational, sometimes tactical.
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
Carrier applied roof age-based ACV even though policy should be RCV.
Another situation Florida policyholders face mid-claim.
I signed a partial settlement and now realize it released everything.
Another situation Florida policyholders face mid-claim.
Lightning damage without direct strike to my home.
Another situation Florida policyholders face mid-claim.
Catastrophic claim handling delays (standard).
Another situation Florida policyholders face mid-claim.
Scope document has multiple revisions (standard).
Another situation Florida policyholders face mid-claim.
Attorney vs public adjuster decision (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.
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