Insurance Claims & Payments
Everything you need in one place: the verified claims phone number, online claim link, and payment portal for every carrier we represent — home, auto, flood, and umbrella. Claims are reported directly to your carrier, and payments go directly to your carrier — this page keeps every claims number, portal, and payment link in one place. Your agent’s part comes before a claim — coverage questions, deductibles, what the policy is designed to do — any quiet day at 813.920.8181.
Claims & payments at a glance
Carrier phone numbers and links verified against each carrier’s official website.
How to file a claim
The fastest path to getting a claim moving is reporting it directly to your carrier — every carrier below staffs its own claims team, and many take reports around the clock by phone or online.
- Make sure everyone is safe first. If there’s an emergency, call 911 before you call anyone about insurance.
- Report the claim to your carrier using the phone number or online link in the directory below. Have your policy number handy — it’s on your declarations page and your ID card.
- Document what happened. Photos and video of the damage, a list of what was affected, and receipts if you have them all help your adjuster.
- Take reasonable steps to prevent further damage — tarping a roof opening, shutting off water at the source. Most policies ask this of you, and keeping receipts for emergency repairs matters. Hold off on permanent repairs until your adjuster has seen the damage.
- Let the carrier’s process run. Your carrier’s adjuster handles the claim from first report to decision — keep your claim number, the adjuster’s name, and every date in one place so nothing stalls on a missing detail.
Home insurance claims & payments
The 20+ Florida homeowners carriers we place. Report claims directly to your carrier by phone or online; pay through the carrier’s portal or billing line.
Auto insurance claims & payments
Our auto carriers all take claims around the clock — report by phone or through the carrier’s app or website.
Flood insurance claims & payments
Flood is a separate policy from homeowners — even when the same storm causes both kinds of damage, the flood claim is reported to your flood carrier. If your flood policy is through the NFIP, your declarations page names the insurance company that services it; that’s who takes the claim.
Umbrella & specialty claims
Umbrella claims usually start with the underlying home or auto claim — report that first, then notify your umbrella carrier. Call us if you’re not sure your umbrella carrier should be notified; erring on the side of notifying is the safe move.
Making a payment
Premium payments go directly to your insurance carrier, not to our agency — that keeps your payment posted to your policy the moment the carrier receives it.
The fastest ways to pay:
- Online — use the “Pay / policy login” link on your carrier’s card above. Many carriers offer a one-time payment option; others handle payments through the policyholder portal.
- By phone — call the carrier’s billing number on your invoice or declarations page.
- Through escrow — if your homeowners premium is escrowed, your mortgage servicer pays the carrier directly from your escrow account. If you receive a bill and believe your lender should be paying it, call us before the due date and we’ll help you sort out who’s paying.
What your agent does before a claim
Your claim is handled and decided by your carrier’s adjuster — the filing, the inspection, and the decision all run through the carrier. Your agent’s work comes earlier: making sure you understand what your policy provides and how the process works, where your deductibles sit, and whether a loss is even worth filing — in plain English, before anything happens. After the claim closes, we’ll review your coverage with you so the policy still fits the way you live.
If a claim doesn’t go the way you expected, start with our guide on what to do when a home insurance claim is denied in Florida — then call us.
After the claim: repairs, proof, and your next renewal
A claim isn’t fully over when the check clears. Before the next renewal is offered, carriers generally want evidence that the damage has actually been repaired — contractor invoices, permits, photos of the finished work. That’s not a penalty; an insurer re-signing a policy wants to know the home is whole again, and a tidy repair file is what makes the renewal routine.
Florida law sets the clock here, and it runs in your favor. Nonrenewing a residential policy takes at least 120 days’ advance written notice under s. 627.4133, Florida Statutes — and when the damage came from a hurricane or windstorm under a declared emergency, the same statute bars cancellation or nonrenewal until 90 days after the property has been repaired. For other covered losses, the protection runs until the repairs are complete or one year after the final claim payment, whichever comes first. The statute keeps a few exceptions — nonpayment, claim-related misstatements, and repairs the homeowner unreasonably delays — so steady, documented progress is exactly what preserves the protection.
The habit that pays: when your carrier asks for proof of repairs, send it promptly and keep copies in the same folder as your claim number and adjuster notes. And a post-claim renewal is still a renewal — working with your agent, it’s worth setting that offer beside the rest of the market before you sign for another year.
Claims & payments FAQs
Should I call my agent or my carrier first when something happens?
The claim itself is filed with your carrier — online or through its claims line — and that’s doubly true when damage is serious or it’s after hours: the claims line is staffed for exactly that, and many carriers take reports around the clock. If you’re unsure whether what happened is worth a claim, call or text us first at 813.920.8181 and we’ll talk it through before anything is filed.
Will filing a claim raise my home insurance rate?
A prior claim doesn’t raise your property insurance rate the way a ticket raises an auto rate. What it actually does is limit carrier eligibility — some carriers won’t quote a home with recent claims, which can cost you access to the lowest-priced markets — and it typically costs you the claims-free discount, which generally runs 2–10%. That’s exactly why it’s worth a conversation with us before filing a small claim.
What information do I need to file a claim?
Your policy number (on your declarations page or ID card), the date and a plain description of what happened, photos or video if you have them, and a callback number. Don’t hold off on reporting because you’re missing something — carriers can open the claim and collect details as you go.
How does my hurricane deductible work on a claim?
Florida hurricane deductibles are a percentage of your dwelling coverage (Coverage A), not a percentage of the claim. Florida law requires insurers to offer deductible options of $500, 2%, 5%, or 10% of the dwelling limit — so a 2% deductible on a $400,000 dwelling limit is $8,000, no matter the size of the loss. Your declarations page shows the percentage you chose. If you’re not sure what yours is, send us your dec page and we’ll go through it with you.
My home and flood damage came from the same storm. Is that one claim?
No — homeowners and flood are separate policies, often with different carriers, and each claim is reported separately. Wind-related damage is reported under your homeowners policy; rising-water damage is reported under your flood policy, and each claim is adjusted under that policy’s own terms. When both happen at once, report both promptly and tell each adjuster the other claim exists. We can help you keep the two straight.
Can I make my payment through your office?
Payments are made directly to your carrier — online, by phone, or through your mortgage escrow. That’s the industry standard, and it protects you: your payment posts to your policy the moment the carrier receives it. What we can do is help you find the right portal, sort out an escrow mix-up, or get ahead of a cancellation notice — call or text 813.920.8181.
Will my carrier renew my policy after a claim?
Usually — but expect a request for proof of repairs first. Carriers commonly make the next renewal contingent on evidence that the damage is fixed: invoices, permits, photos. Florida gives you room to get it done — nonrenewal of a residential policy requires at least 120 days’ written notice, and under s. 627.4133 a carrier can’t cancel or nonrenew a home damaged by a hurricane or windstorm under a declared emergency until 90 days after the repairs are complete (for other covered losses, until the home is repaired or one year after the final claim payment, whichever comes first). Exceptions exist for nonpayment, claim-related misstatements, and repairs that are unreasonably delayed — so keep the work moving and the paperwork together, and send proof the moment it’s requested.
