Report damage to your insurance agent or company immediately. Take photos and/or video to document damage and share with the company adjuster.
For assistance locating contact information for your insurance company, refer to the Office of Insurance Regulation's Hurricane Resources including:
Hurricane Isaias became a named hurricane by the National Hurricane Center on July 30, 2020 at 11:40 PM EST.
Your policy’s hurricane deductible will apply to claims involving loss or damage caused by a windstorm during a named hurricane. The duration of a hurricane in which the hurricane deductible would apply includes the time period:
Your policy’s hurricane deductible will apply to claims involving loss or damage caused by Hurricane Isaias between July 31, 2020 at 11:00 AM and August 5, 2020 at 5:00 AM.
Review the Division of Consumer Services' Florida Hurricane Deductible resources below to review specific Florida laws regarding when the Hurricane Deductible applies, for what duration of time and how many deductibles can be applied in a calendar year.
Fortunately, Hurricane Isaias was not as severe as initially predicted, but it still maintained high winds and heavy rain. If you have damage to your property as a result, file an insurance claim as soon as possible to start the recovery process.
For assistance understanding your insurance coverage or filing a claim, please call the Department of Financial Services’ toll-free Insurance Consumer Helpline at 1-877-693-5236.
MAKE EMERGENCY REPAIRS TO
PREVENT FURTHER DAMAGE
Document the damage and repairs
with receipts and photos or video.
If you must discard damaged items
because they pose a safety hazard,
be sure to take photos or videos.
ENSURE YOU HAVE ALL IMPORTANT
Gather all important contact information such as banking and medical documentation including any medical supplies or equipment.
Keep all receipts regarding any
additional living expenses and any
other out-of-pocket expenses that
may be covered by your policy.
If you must leave your home because of the damage, let your insurance agent or company know your temporary address and phone number. They may need to reach you to ask additional questions or provide a status update on your claim. Take reasonable measures to properly secure your property and valuables from theft or vandalism if you vacate the home.
Speak directly with insurance specialists who can help you review your policies to understand your coverage, help you file claims for damage and offer assistance in the event that you are having trouble communicating with your insurance company.
Chief Financial Officer Jimmy Patronis' PrepareFL initiative provides information to assist consumers secure their property before a disaster and recover afterwards.
The Division of Consumer Services provides an extensive library of insurance resources to help consumers navigate the disaster process.
The Division of Emergency Management's State Emergency Response Team (SERT) works to ensure that Florida is prepared to respond to emergencies, recover from them, and mitigate against their impacts.
The State Assistance Information Line (SAIL) is a toll-free hotline activated at the time of an emergency to provide an additional resource for those in Florida to receive accurate and up-to-date information regarding an emergency or disaster situation impacting the State of Florida.
If you need supplies, such as food, water, or ice, please contact your county emergency management for the location of the nearest distribution center. Your county emergency management can provide up-to-date information about shelters and local distribution centers for food and supplies.
The Small Business Administration (SBA) offers disaster assistance in the form of low-interest loans to businesses, renters, and homeowners located in regions affected by declared disasters.