Resources

Hurricane Coverage at a Glance, Updated June 2026

June 2, 2026 | Pdf

A visual guide for what is and is not covered under ISO-2000 HO-3 and ISO-2011 HO-3 forms.

*Company Claims Phone Numbers

October 10, 2024 | Link

This is a carrier directory prepared by the Florida Office of Insurance Regulation contains the claims phone numbers for all property insurance companies that do business in Florida.

Better Safe than Sorry: Submit E&O Claims

January 12, 2023 | Article

Whether an E&O claim is potential or actual, the Swiss Re Corporate Solutions claims team urges agents to submit all claims that may result from the volume of customer claims activity following a natural disaster such as a hurricane.

Hurricane Ian and Hurricane Nicole Emergency Order, Frequently Asked Questions

November 28, 2022 | Article

Hurricane Ian and Hurricane Nicole Emergency Order, Frequently Asked Questions

Hurricane Deductibles

November 14, 2022 | Article

While there is an exception to almost every rule, the “general rule” is that Florida residential insurance policies have a separate deductible that applies to losses occurring during a hurricane.

Should You Report a Minor Hurricane Claim?

November 14, 2022 | Article

While it's easy to understand why some agencies and customers don't want to report losses that are likely below the hurricane deductible, the potential harm of not reporting a claim far outweighs the potential of not doing so. 

Assignment of Benefits Consumer Protection Tips

October 9, 2022 | Article

Florida Insurance Consumer Advocate Tasha Carter has put together an overview of Assignment of Benefits (AOB) and what you should know before signing an agreement. 

Overview of Legal Rights When Working with a Public Adjuster

October 5, 2022 | Article

Florida Insurance Consumer Advocate Tasha Carter has put together a resource detailing a policyholder’s legal rights when working with a public adjuster that agents should share with consumers.

What Insureds Need to Know About Insurance and Hurricanes

September 28, 2022 | Article

Here are the top five things policyholders need to understand about insurance and hurricanes.

Agency Disaster Supply Checklists

September 26, 2022 | Article

A list of items agencies should have on-hand before disaster strikes.

Sample Post-Loss Report Letter to Insureds

October 22, 2019 | Article

Following is language for a suggested letter for agents to send to an insured after receipt of a catastrophe loss report.

Establishing Alternate Communications

September 4, 2019 | Article

Whether it's redundant phone systems or a call center, don't leave your ability to communicate with companies and customers to chance.

Florida DFS Division of Consumer Services

September 4, 2019 | Link

This website for the Florida Department of Financial Services, Division of Consumer Services includes information for consumers with insurance-related questions or complaints. During hurricane season, it's updated with disaster resources and other information of interest to consumers.

After Hurricane Hits, Mitigate and Document Property Damage

September 4, 2019 | Article

After a storm strikes, insureds should prevent further damage to their home or business, and document any steps they take to do so.

What to Expect After Filing a Claim Related to a Hurricane

September 4, 2019 | Pdf

This one-pager from the Florida Department of Financial Services is designed to help insureds understand the claims timeline and avoid scams.

Debris Removal Primer

September 4, 2019 | Article

This information was developed from the ISO policy. All policies are different, and this primer is intended to be used only as a guide and not to determine coverage.

Important Claim Information Sample Letter

September 4, 2019 | Article

Agents can use the following information to help educate consumers about what to expect after they file a property claim for a personal and/or business loss.

Preparing for and Managing Claims

September 4, 2019 | Article

Before a storm hits, agencies should organize claims information and requirements for each company, and education nonclaims staff about what to expect.

Ensure Access to Power

September 4, 2019 | Article

Purchase a generator that can run all mission critical equipment. Look into whole office generators. An alternative approach is to contract with a firm that will drop off and activate a generator in the event of a loss of power.

Before Leaving the Office...

September 4, 2019 | Article

Questions to ask before leaving the office before a hurricane (answers should all be yes!).