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
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 next.
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.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Recorded statements become the canonical version of events. Carriers use them to lock in your story before you've documented fully.
No identifiable at-fault party means no subrogation target.
Confusion about tree-owner liability is common.
Non-responsiveness is sometimes organizational, sometimes tactical.
Free claim review
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 next.
Know the law
Relevant statutes
Carrier duties and deadlines.
Notice of claim deadlines.
Public adjuster representation rights.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
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All 67 Florida counties.
Every claim term defined.
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Every major Florida storm profiled.
Decision and settlement tools.
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Common problems answered.
See also
Other common problems
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Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
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 next.
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