Claims
The Storm Hit. The Claim Didn't.
Clear photos, receipts and a record of communications help you describe what happened and understand the insurer's response. Start with your own policy and the official claim guidance.
Read official claim guidance (opens in a new tab)The benefit
Make your claim easier to explain and review.
- Damage and temporary repairs
- Document
- Receipts and claim messages
- Keep
- For the written explanation
- Ask
Provided by
Your insurer reviews the claim under your policy. Florida's Insurance Consumer Helpline can help explain coverage and claim communications; the linked WKMG story is sponsored reporting.
How to get it
Build a clear record of what happened
- When safe, photograph the damage and document temporary repairs and out-of-pocket expenses.
- Notify your insurer promptly, keep the claim number and save communications, estimates and receipts.
- Ask the insurer to explain its decision in writing; contact the Insurance Consumer Helpline at 1-877-693-5236 if you need help understanding the response.
The source story is from July 2025. A claim closed without payment is not necessarily a denied claim; deductibles and other reasons can matter. Records support a review but do not establish coverage or guarantee payment.
More context & the original report
A 2025 report on Hurricane Milton reveals that almost 40% of claims were closed without any payment. More than 106,000 residential claims were closed without payment, including roughly 20,000 denials for coverage and nearly 40,000 deemed below deductible. About 19,000 claims remained open months after the storm. Advocates warn that law changes favor insurers and urge homeowners to document damage, hire trusted roof inspectors, and fight unfair denials.
