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When You Discover Damage

  • Call Florida Specialty Insurance Company at (866) 554-5896 or your agent directly. Our Claims Department is available 24/7, – 365 days a year.
  • Make only temporary repairs (those designed to protect your home from further damage) until your claim is settled.
  • Keep receipts for temporary repairs made to protect your home from further damage. If you are unable to live in your home as a result of the damage, keep receipts for any costs incurred for additional living expenses (lodging, meals, etc.).
  • Until the claims representative‚Äôs inspection, do not discard damaged items. If the items must be disposed due to a safety hazard, take photos or video footage showing the damage.
  • When requesting bids for repair work, we recommend to use only licensed contractors. Provide photocopies of all estimates and bids received to your claims representative. Florida Specialty can provide a list of “preferred contract vendors”, especially if the damage is water-related.
  • Before contacting your insurance agent or Florida Specialty Insurance Company, report theft or burglary to the police. Be sure to request a copy of police department report for your records and to provide to your claims adjuster.
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