Pre-Loss. Policy review before you ever file a claim.
Before any damage happens, know your coverage. Read your declarations page. Photograph your home. This is the stage that decides the next six.
Overview
What happens in the pre-loss stage
Stage 1 of 7 in a Florida property insurance claim. Each stage has specific statutory requirements, carrier duties, and policyholder actions. Understanding the stage you are in keeps you from being surprised by the next one.
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
Key actions in this stage
- 01
Document thoroughly
Photographs, video, receipts, correspondence. Every piece of evidence protects your claim.
- 02
Know your deadlines
Florida Statute 627.70131 and 627.70132 set statutory deadlines at every stage.
- 03
Communicate in writing
Phone calls are useful but letters and emails create records.
- 04
Track carrier timelines
Acknowledgment in 14 days. Inspection within 30-45 days. Decision within 60 days of proof of loss.
Navigate
All stages of the Florida claim process
Pre-Loss
Before any damage happens, know your coverage. Read your declarations page. Photograph your home. This is the stage that decides the next six.
First Notice of Loss
The call that starts the claim. What to say, what to document, what to expect in the first 14 days.
Inspection
Carrier adjuster inspection is the most consequential meeting in your claim. What to prepare, what to say, what to document.
Estimating
The carrier's estimate is the first number, not the last. How scopes are built, where they undercount, and how to push back.
Settlement
The settlement offer is an opening. Reviewing it, calculating gaps, and negotiating to full scope.
Dispute
Mediation, appraisal, and litigation. Florida's statutory processes for resolving claim disputes.
Closing
Final phase. Repairs documented, depreciation claimed, mortgage company satisfied, claim closed.
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.
No obligation. No fee unless recovery.
Stuck at the pre-loss stage? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
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
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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.
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.