What do I do if
Smart home devices destroyed.
Electronics damage from surge, water, or fire.
Smart home devices destroyed.
Root cause
Why this happens
Electronics damage from surge, water, or fire.
Know the law
Your rights
Replacement cost coverage for devices.
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
Itemize devices with models
- 02
Step 2
Provide purchase records
- 03
Step 3
Document installation if integrated
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Jewelry appraisal is outdated; value higher now.
Jewelry values change; appraisals should update every 3-5 years.
Home security system damaged during event.
Specialty systems need proper documentation.
Inherited valuables without appraisal damaged.
Inherited items often lack receipts or appraisals.
Medical equipment damaged.
Medical devices may qualify for specific consideration.
Piano damaged in water event.
Pianos are heavy and sensitive; special moving considerations.
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 representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
Go deeper
Related resources
First 48 Hours
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FNOL to settlement.
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Denial reasons.
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All 67 counties.
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Storms
Florida storm profiles.
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Real recoveries.
Help Center
Common problems.
See also
Other common problems
Coverage definition ambiguous in policy (variant 2).
Another situation Florida policyholders face mid-claim.
Depreciation release significantly delayed (variant 3).
Another situation Florida policyholders face mid-claim.
Jewelry appraisal is outdated; value higher now.
Another situation Florida policyholders face mid-claim.
Someone hit my house and fled.
Another situation Florida policyholders face mid-claim.
Carrier disputes the public adjuster fee claimed from settlement.
Another situation Florida policyholders face mid-claim.
Ongoing claim during home refinance.
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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